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Florida Boat Insurance Built for Life on the Water

Drive with peace of mind. Our family-run agency finds the right coverage for Florida’s roads, so you can focus on the journey ahead.

What Our Florida Boat Insurance Covers

Every vessel and boating lifestyle is different. We structure policies around your specific boat, usage, and exposure.

Liability Protection

Covers bodily injury or property damage if you are responsible for an accident on the water.

Hull & Physical Damage Coverage

Pays for repairs or replacement if your boat is damaged by collision, fire, theft, vandalism, or certain weather events.

Storm & Hurricane Coverage

Protection for wind-related damage, subject to policy terms and deductibles.

Uninsured/Underinsured Boater Coverage

Helps protect you if you’re involved in an accident with a boater who lacks adequate insurance.

Medical Payments

Assists with medical expenses for you and your passengers following a covered boating accident.

Equipment & Personal Effects

Coverage for onboard equipment such as navigation systems, safety gear, and fishing equipment.



Towing & Emergency Services

Optional coverage for on-water towing, fuel delivery, and trailer roadside assistance.

Why Boat Insurance Is Important in Florida

Florida has more registered boats than any other state. With crowded waterways, sudden storms, and hurricane exposure, the financial risks can be significant.


Weather Exposure
Coastal storms and hurricanes can cause extensive damage in a short period of time.


Liability Risk
Boating accidents can result in costly injury claims or property damage.


Marina & Lender Requirements
Many marinas and financing institutions require proof of insurance.


BOAT INSURANCE

Frequently Asked Questions

  • Is boat insurance mandatory in Florida?

    Florida law does not require most private boat owners to carry insurance. However, lenders and marinas commonly require coverage. Even when optional, insurance is strongly recommended due to liability exposure and storm risk.

  • What does boat insurance cost in Florida?

    Premiums depend on factors such as boat type, length, horsepower, value, storage location, navigation range, and prior claims history. Smaller recreational boats are typically less expensive to insure than larger offshore vessels.

  • Does boat insurance include hurricane coverage?

    Many policies offer coverage for hurricane and named storm damage. Deductibles and conditions vary by carrier, and some policies require documented storm preparation measures.

  • What watercraft can be insured?

    Most recreational vessels can be covered, including fishing boats, pontoons, sailboats, jet skis, center consoles, and yachts. Eligibility depends on usage and specifications.

  • Are passengers covered under boat insurance?

    Liability and medical payments coverage can provide protection if passengers are injured during a covered incident. Coverage limits should align with your exposure and boating activity.

Protect Your Investment on the Water

From inland lakes to coastal waters, your boat should be protected against the risks unique to Florida. We compare multiple carriers to help you secure coverage that fits your vessel and your budget.

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