Watercraft Insurance
Boat insurance in South Florida — peace of mind on the water.
Boat insurance in South Florida is not mandatory, but it's highly recommended given the high number of uninsured boaters. What you pay depends on the size, type, and value of the craft and where you use it.
A boat owner's policy can insure you against most risks of owning and operating your boat, its motor, and its trailer — and protect you against liability if you injure someone or damage their property. You'll enjoy the water even more when you're comfortable with your coverage.
Coverages
Agreed Value Coverage
Boats depreciate like cars — agreed-value policies make it easier to replace a boat that's stolen or destroyed.
Emergency Assistance
Covers towing, labor, and delivery of gas, oil, or a loaner battery if you break down on the water.
Unattached Equipment
Covers items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, and tarps.
Liability
Covers other boaters and boat owners if you're at fault in an on-water accident.
Medical Payments
Pays for necessary care resulting from an accident, for you and your passengers, regardless of fault.
Navigational Area
Defines where you're covered on the water.
Fuel Spill Liability & Wreckage Removal
If your boat sinks or is badly damaged, the law may require you to clean up spilled fuel or oil — which can be time-consuming and costly.
Physical Damage
Since boat insurance isn't mandatory in Florida, many boaters go uninsured; this helps cover treatment, lost wages, and other costs if an uninsured boater injures you.
Frequently asked questions
Is boat insurance required in Florida?+
No, it isn't mandatory in Florida, but it's highly recommended given the large number of uninsured boaters on the water.
What affects the cost of boat insurance?+
The size, type, and value of the craft, and the waters where you use it.
What does a boat policy cover?+
Agreed value, emergency assistance, unattached equipment, liability, medical payments, navigational area, fuel-spill liability, and physical damage.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.