Boat Insurance

Why Boat Insurance Matters

Watercraft We Can Help Insure

Many boat owners assume their homeowners or auto policy will fully protect their boat — but that’s often not the case. A dedicated boat insurance policy can help cover:

Accidents on the water
Damage to your boat
Injuries to passengers or others
Damage you may cause to another boat, dock, or property
Certain incidents during storage, transport, or while your boat is on the trailer

We’ll review what you currently have and help you fill in the gaps so you’re not surprised later.

Watercraft We Can Help Insure

We work with a wide range of boats and personal watercraft, including:

Center consoles and fishing boats
Deck boats and bowriders
Cabin cruisers
Pontoon boats
Personal watercraft (Jet Skis®, WaveRunners®, etc.)
Sailboats (where eligible)

If you’re not sure whether your type of boat qualifies, just ask — we’ll let you know quickly and give you options.

Key Boat Insurance Coverages

Liability Coverage

Medical Payments Coverage

Physical Damage Coverage

Helps protect you if you’re found legally responsible for:

Injuries to others
Damage to another boat or property
Certain legal defense costs

This is one of the most important parts of your policy, especially on busy waterways.

Physical Damage Coverage

Medical Payments Coverage

Physical Damage Coverage

Helps cover repairs or replacement if your boat is damaged by:

Collision with another boat or object
Storms, wind, lightning, or certain weather events
Vandalism or theft

We’ll discuss agreed value vs. actual cash value options so you understand how your boat would be valued in a covered loss.

Medical Payments Coverage

Uninsured / Underinsured Boater

Helps pay for reasonable medical expenses for you and your passengers after a covered boating accident, regardless of who is at fault (up to policy limits).

Uninsured / Underinsured Boater

If you’re hit by someone who has little or no insurance, this coverage may help with injuries to you and your passengers

On-Water Towing & Assistance

Uninsured / Underinsured Boater

Optional Coverages to Consider

Optional coverage that can help with:

Towing if your boat is disabled on the water
Jump-starts, fuel delivery, and other assistance

This can be especially valuable if you’re frequently out on busy or open waters.

Optional Coverages to Consider

Uninsured / Underinsured Boater

Optional Coverages to Consider

Depending on your boat and how you use it, we can also discuss:

Coverage for fishing equipment or personal belongings on the boat
Trailer coverage
Hurricane haul-out reimbursement
Fuel spill liability
Wreck removal

We’ll go line by line so you know exactly what’s included.

Local Agents Who Understand Florida Boating

Boating in Florida comes with its own unique risks — storms, hurricanes, year-round use, crowded waterways, and marina requirements. Working with a local agency means you get advice from people who understand:

How your coverage can respond to hurricane or storm damage
What marinas and lenders commonly require
How to coordinate boat, home, and umbrella policies

We’re here to help you balance strong protection with a premium that makes sense.

What We’ll Ask to Get You a Quote

To shop boat insurance options for you, we may ask for:

Year, make, and model of the boat
Length and type of vessel
Motor type and horsepower
Where the boat is stored (marina, lift, trailer, dry storage, etc.)
Where you primarily use the boat (lakes, inshore, offshore, etc.)
Safety courses completed (like a boating safety certificate)
Any prior claims or losses

Boat & Watercraft Insurance

Enjoy the Water — We’ll Help Protect What Moves You

Why Boat Insurance Matters

Watercraft We Can Help Insure

Watercraft We Can Help Insure

Watercraft We Can Help Insure

Watercraft We Can Help Insure

Watercraft We Can Help Insure

Key Boat Insurance Coverages

Liability Coverage

Medical Payments Coverage

Physical Damage Coverage

Physical Damage Coverage

Medical Payments Coverage

Physical Damage Coverage

Medical Payments Coverage

Medical Payments Coverage

Uninsured / Underinsured Boater

Uninsured / Underinsured Boater

Uninsured / Underinsured Boater

Uninsured / Underinsured Boater

On-Water Towing & Assistance

Uninsured / Underinsured Boater

Optional Coverages to Consider

Optional Coverages to Consider

Uninsured / Underinsured Boater

Optional Coverages to Consider

Local Agents Who Understand Florida Boating

What We’ll Ask to Get You a Quote

To shop boat insurance options for you, we may ask for:

Don’t worry if you don’t have every detail handy — we’ll walk you through it.

Ready to Review Your Boat Insurance?