Boat & Watercraft Insurance
Comprehensive coverage protecting your vessel on Florida's beautiful waters — from hull damage to liability, we've got you covered.
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Protect Your Time on the Water
Florida offers some of the most spectacular boating in the country — from the Atlantic coast to the Gulf of Mexico, the Intracoastal Waterway to countless lakes and rivers. Whether you own a fishing boat, yacht, sailboat, pontoon, jet ski, or PWC, proper insurance protects your investment and your peace of mind on the water.
Boat insurance covers physical damage to your vessel, liability for injuries or property damage you may cause, medical payments, and even specialized coverage for fuel spills and on-water assistance. From kayaks to center consoles to luxury yachts, we'll help you find the right coverage for your watercraft and how you use it.
Basic vs. Comprehensive Boat Coverage
Boat insurance offers flexible protection based on your vessel and how you use it. Here's how basic and comprehensive coverage compare:
Basic Coverage
- Liability Protection
- Property Damage to Others
- Medical Payments
- Uninsured Boater Coverage
- Basic Towing Assistance
- Guest Passenger Coverage
🚤 Navigational Waters
Basic policies typically limit coverage to inland and coastal waters. Check your policy for specific navigational territory restrictions and whether offshore coverage is included.
Comprehensive Coverage
- Hull/Physical Damage Coverage
- Agreed Value Protection
- Personal Effects & Equipment
- Fuel Spill Liability
- On-Water Towing & Assistance
- Trailer Coverage
🚤 Hurricane Haul-Out Coverage
Comprehensive policies often include hurricane haul-out and storage reimbursement. In Florida, this can be critical protection during storm season to help cover the cost of securing your vessel.
Important: Coverage needs vary based on your vessel type, value, and how you use it. We'll help you choose the right level of protection for your specific situation and budget.
What does boat insurance cover?
Hull & Physical Damage
Covers damage to your boat's hull, motor, and permanently attached equipment from accidents, storms, theft, vandalism, and other covered perils. Available as actual cash value or agreed value.
Medical Payments
Covers medical expenses for you, your passengers, and water skiers injured in a boating accident, regardless of who's at fault. Helps pay for immediate medical treatment.
Uninsured Boater
Protects you if you're in an accident caused by an uninsured or underinsured boater. Covers your injuries and damage when the at-fault party doesn't have adequate insurance.
Fuel Spill Liability
Covers cleanup costs if your boat accidentally spills fuel or oil into the water. Environmental cleanup can be extremely expensive, and this coverage provides essential protection.
On-Water Towing & Assistance
Covers emergency towing, fuel delivery, soft ungrounding, and other on-water assistance when your boat breaks down. Similar to roadside assistance for your vehicle.
Trailer Coverage
Protects your boat trailer from damage, theft, or loss. Often included with comprehensive boat policies or available as an add-on for trailered vessels.
Common questions about boat insurance
What types of watercraft can be insured?
We can insure virtually any type of watercraft — from kayaks and jet skis to fishing boats, pontoons, sailboats, center consoles, and luxury yachts. Coverage options vary based on the vessel type, size, value, and how you use it. We'll help match you with the right carrier and policy for your specific watercraft.
Do I need boat insurance in Florida?
Florida law doesn't require boat insurance, but if you have a boat loan, your lender will require it. Even if you own your vessel outright, insurance is highly recommended — you're personally liable for injuries and property damage you cause on the water, and repair costs for even minor damage can be significant.
What's the difference between actual cash value and agreed value?
Actual cash value pays the depreciated value of your boat if it's totaled. Agreed value policies pay a pre-determined amount that you and the insurer agree upon when the policy is written — no depreciation. For newer or higher-value boats, agreed value coverage provides better protection and peace of mind.
Does boat insurance cover my trailer?
Trailer coverage is often included with comprehensive boat policies, but coverage varies by carrier. Some policies include it automatically, while others offer it as an optional add-on. We'll make sure your trailer is properly covered if you transport your boat by land.
Am I covered in all waters?
Most policies specify navigational territory limits — typically inland and coastal waters. If you plan to venture offshore or into international waters, you may need additional coverage or an extension. Always check your policy's navigational limits and discuss your boating plans with us.
What about hurricane and storm damage?
Comprehensive boat policies typically cover hurricane and storm damage, but there may be special requirements — such as mandatory haul-out provisions during named storms. Many policies also offer hurricane haul-out reimbursement to help cover the cost of securing your vessel. We'll explain all storm-related provisions in your policy.
Florida boat insurance carriers we work with
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We compare rates from multiple carriers to find the right coverage at a competitive price. No pressure, no jargon — just clear options.