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.
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.
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:
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.
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.