Boat Insurance
Start your quoteBoat insurance covers your vessel, its equipment, and your liability if you damage someone else’s property or injure someone while boating. Florida has more registered boats than any other state, and most marinas and lenders here require proof of coverage before you can dock or finance a boat. We write boat policies for owners across Florida waterways.
What's covered
Tap any item to see what it means in plain language.
Physical damage
Repairs or replaces your boat, motor, and trailer after a covered loss, whether it happens on the water, at the dock, or on the road behind your truck.
Liability
If you injure someone or damage another boat or a dock while operating yours, this pays the claim and your legal defense.
Uninsured boater
Covers your injuries if the at-fault operator has no insurance, which is common on the water since Florida doesn't require boat insurance by law.
Towing & on-water assistance
A breakdown on the water means a tow boat, and without coverage that bill can run into the hundreds or more.
Personal property aboard
Fishing gear, safety equipment, and other belongings kept on the boat.
What's not covered
Wear, tear & gradual deterioration
Blistering, corrosion, and aging parts are maintenance, not claims. Policies respond to sudden events, not slow decline.
Racing or commercial use
Using the boat for races or charging customers requires a specific endorsement. Without it, a claim during that use can be denied.
Operating under the influence
Damage that happens while boating under the influence is excluded.
Ignored storm haul-out requirements
Some policies require the boat to be hauled out or moved when a named storm approaches. Skipping that step can affect the claim.
Good to know in Florida
- Hurricane season means many policies require the boat to be hauled out or moved to a designated safe location once a named storm is close, and skipping that step can affect a claim.
- Heavy waterway traffic and weekend boat congestion across Florida make liability coverage worth taking seriously, not just physical damage to your own boat.
How our quoting works
We shop it around
We ask about the boat's length, age, value, and how you use it, then shop coverage across carriers that actually write Florida boat policies, since not every carrier does.
Helpful to have handy
- Year, make, model, and length of the boat
- The hull ID (HIN) and motor details
- Where it's stored or docked
- Your plan for the boat when a named storm approaches
- Your current policy, if it's insured today
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
Do I need to move my boat before a hurricane?
Many boat policies require you to haul out or relocate your boat to a designated safe location once a named storm approaches. Check your policy's specific requirement, since not following it can affect a claim.
Do I need boat insurance if my boat is paid off?
It's not legally required in Florida for most private boats, but marinas commonly require proof of liability coverage to dock, and physical damage coverage protects your investment either way.
Does boat insurance cover jet skis and other personal watercraft?
Often yes, depending on the carrier and policy, personal watercraft can be added alongside a boat or as their own policy. Tell us what you're insuring and we'll confirm the right fit.
How is my boat's insured value determined?
Boat policies are typically written as either agreed value, a fixed payout amount set when the policy starts, or actual cash value, which accounts for depreciation. We'll walk through which makes sense for your boat.