Boat Insurancedone the right way.
Cover your time on the water with confidence.
What a Florida
watercraft policy covers.
Every situation is different. We build the policy around yours.
Hull & Machinery
Repairs or replacement after collision, storm or other covered damage.
Liability
Legal costs and damages if you're at fault on the water.
Medical Payments
Medical bills for you and your passengers after an accident.
Towing & Assistance
On-water towing, fuel delivery and jump starts.
Uninsured Boater
Protection when the other operator has no coverage.
Personal Effects
Fishing gear, electronics and equipment aboard your vessel.
What's usually not included in your insurance, but we can get you coverage.
Wear and tear
Gradual deterioration, osmosis and mechanical breakdown are excluded.
Racing
Competitive racing requires a specialty endorsement.
Out-of-area cruising
Trips outside your navigational limits need coverage extended first.
Submit your details
Tell us what you're insuring and a few basics about your situation.
We shop multiple carriers
We compare coverage and pricing from the top-rated markets for your risk.
You choose with confidence
We walk you through options, deductibles and discounts.
Let's get you on the water.
- Jet skis to yachts
- Agreed-value options available
- Boater safety course discounts
Get started with a free quote.
Boat insurance questions.
Common questions about Florida boat and watercraft insurance
Is boat insurance required in Florida?
The state doesn't require it, but lenders and most marinas do — and it's smart for any vessel worth more than about $1,000.
What affects my rate?
Vessel type and value, horsepower, your boating experience and safety courses, navigational area, storage location and your deductible.
Agreed value or actual cash value?
Agreed value pays your policy limit without depreciation and costs more. Actual cash value is cheaper but pays depreciated value at the time of loss.
Am I covered during hurricane season?
Most Florida marine policies include named-storm haul-out reimbursement but may have a separate named-storm deductible. We'll review the specifics with you.