Boat insurance so easy, it feels like a breeze.
Protect your boat, personal watercraft, trailer and boating equipment with coverage designed for the way you enjoy the water.
Coverage built for life on the water.
A boat policy can combine several important protections for your vessel, passengers and financial responsibility.
Boat Physical Damage
Helps protect your boat against eligible covered losses such as collision, theft, fire and certain weather-related damage.
Boat Liability
May help if you are legally responsible for eligible bodily injury or property damage involving your boat.
Medical Payments
May help cover certain medical expenses for you or your passengers after an eligible boating accident.
Personal Watercraft
Coverage options may be available for jet skis and other eligible personal watercraft.
Trailer Coverage
Eligible boat trailers may be covered for certain physical damage losses, subject to policy terms.
Equipment and Accessories
Options may be available for permanently attached equipment, motors, electronics and boating accessories.
Agreed value and actual cash value work differently.
The valuation method selected for your vessel can significantly affect how an eligible total loss is settled.
Agreed Value
Generally pays the agreed insured value shown on the policy after an eligible total loss, without deducting depreciation, subject to policy terms.
- Predetermined insured value
- No depreciation on eligible total losses
- Underwriting and valuation requirements may apply
Actual Cash Value
Generally considers the vessel’s age, condition, market value and depreciation when determining an eligible claim payment.
- Depreciation may be deducted
- Claim payment may be lower
- Premium may differ
Protection for the unexpected moments.
Coverage varies by carrier and policy, but common eligible causes of loss may include:
From vessel details to coverage options.
A few key details help us identify available carriers and build a more accurate boat insurance quote.
Tell Us About the Boat
Provide the year, make, model, length, value and type of vessel.
Review How It Is Used
Share navigation area, storage location, boating experience and intended use.
Compare Coverage
Review available limits, deductibles, valuation methods and optional protections.
Select Your Policy
Choose the option that best fits your vessel, budget and boating needs.
What to review before choosing a boat policy.
Boat insurance policies can vary significantly depending on the vessel, navigation area and selected carrier.
Coverage Choices to Compare
- Agreed value or actual cash value
- Liability and medical payment limits
- Physical damage deductible
- Navigation territory
- Trailer, motor and equipment coverage
- Emergency towing or assistance options
Common Limitations
- Wear and tear is generally excluded
- Damage from poor maintenance may not be covered
- Navigation outside the approved territory may be excluded
- Commercial use may require different coverage
- Named-storm restrictions or deductibles may apply
- Coverage is subject to policy terms and eligibility
Local guidance for Florida boat owners.
Our team can help you review available options for your vessel, trailer, personal watercraft and boating equipment.
Coverage Comparison
Compare valuation methods, deductibles, liability limits and available endorsements.
Vessel-Specific Guidance
Review options based on the boat type, value, use and navigation territory.
Local Service
Work with a Florida-based team familiar with local boating needs.
Ongoing Support
Get help with policy questions, changes and carrier contact information.
Protect the boat. Enjoy the water.
Request a boat insurance quote and compare available protection for your vessel, liability, trailer and boating equipment.
Boat insurance questions, answered.
Coverage, limits and eligibility vary by carrier and selected policy.
Is boat insurance required in Florida?
Florida does not generally require boat insurance by law, but a marina, lender or financing agreement may require coverage.
Does homeowners insurance cover my boat?
Homeowners policies may provide very limited protection for certain small boats, but larger vessels and broader marine risks usually require a dedicated boat policy.
What information is needed for a quote?
Common details include the year, make, model, length, value, motor information, storage location, navigation territory, boating experience and prior losses.
Can a boat trailer be insured?
Eligible trailers may be included or endorsed, depending on the carrier and policy. Limits and deductibles should be reviewed carefully.
Does boat insurance cover hurricanes?
Certain storm-related damage may be covered, but named-storm deductibles, restrictions, haul-out requirements or binding limitations may apply.
Does boat insurance cover towing?
Some policies offer optional emergency towing or marine assistance benefits. Availability and limits vary by carrier.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, navigation territory, selected deductibles, limits, conditions, exclusions and carrier requirements. Refer to the issued policy for complete terms and conditions.