Boat Insurance in Florida
Florida’s sunny waterways invite endless adventure—but open water also brings unique risks. A tailored boat insurance policy safeguards your vessel, your passengers, and your finances if the unexpected happens.
Core Coverages at a Glance
| Coverage | Why You’ll Want It |
|---|---|
| Liability (Bodily Injury & Property Damage) | Pays medical bills, legal fees, and property repairs for others when you’re at fault. Most policies also cover costly salvage or wreck removal if your boat sinks. |
| On-Water Towing & Assistance | Covers the expense of a tow back to shore when your boat is disabled—often with no out-of-pocket cost to you. |
| Comprehensive | Protects against non-collision losses such as hurricanes, hail, theft, vandalism, and fire. |
| Personal Effects | Reimburses the loss of gear and valuables on board—fishing tackle, electronics, SCUBA equipment, and more. |
Do You Really Need Boat Insurance?
Even though Florida doesn’t require it by law, every skipper faces two big exposures:
Liability – A single injury claim can threaten your savings, home, and future earnings.
Physical Damage – Storms, submerged debris, and theft are common causes of costly repairs or total loss.
Without adequate coverage, you and your assets are on the hook.
What Determines Your Premium?
Insurers weigh several factors:
Home port & cruising area
Boat type, size, and engine horsepower
Operator’s age, experience, and claims history
Safety courses completed and security features installed
Credit profile & potential multi-policy discounts
Because carriers evaluate these details differently, rates can vary more than you might expect.
Request Your Boat Insurance Quote Today
As an independent agency, we compare Florida’s top marine insurers to pinpoint the best mix of protection and price. Call or click now to secure coverage before your next day on the water—and cruise with confidence.
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