Boat & Marine Insurance
We offer Boat or Marine Insurance for small boats, yachts, high-performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use, including personal recreation, commercial, or charter vessels.
What Does Boat Insurance Cover?
Depending on your policy, boat insurance is likely to cover:
- Damage caused by a collision that is your fault or the fault of an uninsured boater
- Bodily harm or property damage that you cause to another boater or watercraft
- Damaged or stolen equipment kept on your boat
- Towing of a disabled watercraft
- Damage that occurs in the water, in storage, or in transit
Boat insurance isn't mandatory in Florida (it's not required by law to own or operate a vessel); however, if you took out a loan using your boat as collateral, the lender will typically require that you have insurance to cover damages to the boat. Many Florida marinas have boat insurance requirements as well, so you'll need to provide proof of liability coverage in case of injury or damages to others.
We offer free, comparative quotes on Boat & Marine Insurance from multiple insurance carriers so you can get the best possible rate.
Personal Watercraft Insurance
Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Jet skis and wave runners are often the first steps into the boating world. Whether you are a first-time boater or experienced captain, it is important that you have proper coverage for these vessels. We have policies that are geared specifically for your personal watercraft. If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.