Boat & Watercraft Insurance

Florida Boat & Watercraft Insurance

Peace of Mind for you and your family dwelling place.

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy, you can relax and enjoy your time away knowing that you’re adequately insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles: yachts, performance boats, sail boats, bass boats, jet Skis, wavewunners.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and leisure and recreation are secure.


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just for your leisure and recreation, but for you, and to others.

Learn more about Boat & Watercraft Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget.

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Why do you need Boat & Watercraft Insurance?

In Florida and like almost every other state, it’s illegal to drive without car insurance. Every state has a legally required minimum liability coverage. If you are unable to provide proof of insurance in Florida, you run the risk of having your vehicle impounded, and your license suspended and fined. If you make a habit of getting caught without it, you could end up in jail. The other good reason to have car insurance is consistency. It’s easier to pay monthly or quarterly premiums than to swallow the sudden cost of an unfortunate accident.

Here are some specific circumstances that personal car insurance would cover:

Boat Insurance covers you in the event of a loss or damage to your boat.

Boat Insurance covers damages to someone else’s personal properties cause your vessel

Boat Insurance covers damages to someone else’s properties cause your vessel.

Theft, vandalism of your vessel.

It will protect you against claims by anyone who injures themselves while on your vessel.

What does Boat & Watercraft Insurance cover?

The insurance coverage you need depends on a number of factors. Do you spend time on the open ocean or stick to a lake closer to home? Do you boat year round or spend time on the water only during spring and summer?

Typical Florida Policy Components.

Bodily injury liability

This coverage protects you from paying out of pocket for injuries you cause. This does not cover damage to your vessel.

Property damage liability

While boating, if you damage someone else’s property, this coverage can help pay for the costs to repair the damaged property.

Physical damage

his coverage protects your boat and trailer from damage, regardless of fault.


This coverage closely resembles auto coverage. It covers non-collision events, weather-related events, theft, and vandalism.


Unfortunately, many boaters do not carry boat insurance. If you’re involved in a collision with an uninsured/underinsured boater, you’ll be responsible for paying for the damage out of pocket.


If you have equipment such as skis, towables, or gear with your vessel, equipment coverage covers that equipment.

Fuel spill/wreckage cleanup

The majority of waterways require you to remove your vessel if it’s involved in an accident, even if it has sunk. Additionally, if your boat is responsible for a pollution spill cleaning up.

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See what you can save with a customized insurance quote.

Additional Coverage Options

We make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling on your boat.

How much does Boat & Watercraft Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence boat and water craft insurance rates.

Boat specs — boat’s value, motor size, age, and how you use it.

Location — Florida insurance is different from insurance in other states for many reasons, like a higher risk of storm and flood damage, and access to boating year-round.

Personal Factors — Your habits can affect your homeowner’s insurance premium.

Claims History — Claims on a past boats ownership insurance policy.

The Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.

The Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.

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We're here to help you find quality information that quickly answers your insurance questions.

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(239) 313-2045

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