Watercraft Insurance
Whether you own a bass boat, pontoon, jet ski, or sailboat, we can find the right watercraft coverage. Protect against damage, theft, liability, and towing — on and off the water.
What Does Watercraft Insurance Cover?
Comprehensive protection for your boat, your passengers, and your financial security on the water.
Hull Coverage
Covers physical damage to your boat from collisions, storms, theft, vandalism, fire, and sinking. Pays to repair or replace your watercraft.
Liability Protection
Covers bodily injury and property damage you cause to others while operating your watercraft. Essential for protecting your personal assets.
Medical Payments
Covers medical expenses for you and your passengers if injured in a boating accident — regardless of who's at fault.
Towing & Assistance
Covers on-water towing, fuel delivery, battery jumps, and other emergency assistance when you're stranded on the water.
Trailer Coverage
Protects your boat trailer from damage during transport and storage. Often included or available as an add-on.
Uninsured Boater Coverage
Protects you if you're hit by another boater who doesn't carry insurance — similar to uninsured motorist coverage for autos.
Watercraft We Insure
We cover all types of recreational watercraft for Florida boaters.
Frequently Asked Questions
Does my homeowners insurance cover my boat?
Your homeowners policy may provide very limited coverage for small watercraft (typically under 25 HP or under a certain value), but it won't provide adequate protection for most boats, jet skis, or PWCs. A dedicated watercraft policy is the right way to protect your investment.
Is boat insurance required in Florida?
Florida does not require boat insurance by law, but your marina or lender may require it. Even if it's not required, it's strongly recommended — a single boating accident can result in hundreds of thousands in liability claims.
What factors affect my watercraft insurance premium?
Key factors include the type and value of your watercraft, horsepower, where you operate (inland lakes vs. ocean), your boating experience, storage location, and whether you carry safety equipment. Completing a boating safety course can also reduce your premium.
Does watercraft insurance cover hurricane damage?
Yes — most watercraft policies cover storm and hurricane damage, including wind, hail, and lightning. However, you may have a separate hurricane or named-storm deductible. We'll help you understand your policy so there are no surprises.
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