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Florida Recreational Insurance for Every Adventure

Your adventures deserve protection. From boats to motorcycles, RVs to jet skis, get Florida recreational insurance designed for your lifestyle, your vehicles, and every ride or voyage.

What Our Recreational Insurance Covers

Florida is built for fun—from the open road to the Gulf or Atlantic waves. Every recreational insurance policy is customized for your vehicles, your hobbies, and the unique risks you face in the Sunshine State.

Boat & Watercraft Insurance

Protection for your boat, jet ski, or personal watercraft—covers collision, theft, storm damage, and liability.

Motorcycle Insurance

Flexible coverage for motorcycles and scooters—protect your bike, yourself, and your gear.

RV & Motorhome Insurance

Coverage for your RV, camper, or travel trailer—on trips, in storage, or on the move.

ATV, UTV & Off-Road Vehicle Insurance

Insure your all-terrain vehicles, side-by-sides, and off-road rides for trails, parks, and private property.

Golf Cart & Specialty Vehicle Insurance

Protection for golf carts, dune buggies, and unique vehicles—ideal for Florida communities and resorts.

Personal Liability Protection

Stay covered if you’re responsible for injuries or property damage during your recreational activities.

Optional Upgrades & Equipment Coverage

Add extra protection for custom parts, trailers, fishing gear, or sporting equipment.

Why Recreational Insurance Matters in Florida

Florida’s climate is perfect for adventure—but it also brings real risks. From hurricanes and floods to theft or accidents, the right recreational insurance keeps your fun going without interruption.


Coverage for Every Region & Season
We know the needs of coastal, urban, and rural Florida—so you’re always protected, wherever you travel.


Guidance for Year-Round Use
Whether you ride seasonally or all year, we help you find the best fit for your coverage and budget.


Support for Claims and Questions
If the unexpected happens, we walk you through the claims process with care and speed.


Local, Family-Run Agency
Since 1993, we’ve helped Florida families and adventurers get the right protection—so you can focus on fun, not worry.

RECREATIONAL INSURANCE

Frequently Asked Questions

  • Is Florida boat insurance required by law?

    It’s not always required, but marinas, lenders, and many local areas do require proof of coverage.

  • Does recreational insurance cover storm damage in Florida?

    Yes, our policies cover many types of storm, wind, and water damage—but coverage can vary by vehicle and carrier.

  • Can I get coverage for custom parts or gear?

    Yes! We offer options for fishing gear, custom motorcycle parts, and more.

  • Does motorcycle insurance cover my passengers?

    Passenger liability is available—just ask our team to include it in your quote.

  • Can I cover my RV or ATV for trips outside Florida?

    Absolutely. Our policies travel with you—across the state or country.

Protect Your Fun—Get Florida Recreational Insurance Today

Adventure is better with peace of mind. With American Insurance Agency, you get:


  • Local knowledge and real-person support
  • Access to top carriers and flexible options
  • Help with claims and annual reviews

Don’t wait for an accident, storm, or theft to threaten your good times. Get the coverage your lifestyle deserves.

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