Boat Insurance

Smooth sailing starts with smart protection.

Our boat insurance covers your vessel, your passengers, and your peace of mind—whether you’re cruising the coast or docking at home.

Why Boat Insurance Matters

Living in Southwest Florida means year-round access to beautiful waterways—but it also means preparing for storms, accidents, and unexpected breakdowns. Boat insurance isn’t required by the state, but many marinas and lenders do require it. Even if they don’t, it’s the best way to protect your investment from damage, liability, and theft. We offer flexible policies for powerboats, pontoons, sailboats, and personal watercraft—built around how, where, and when you boat.

A family is riding a boat in the ocean.
A group of people on a sailboat with the number 5 on the side

What Boat Insurance Can Cover

Physical Damage

Covers repair or replacement of your boat after an accident or storm.

Liability Coverage

Protects you if someone is injured on your boat or you damage another vessel.

Towing & Assistance

Pays for on-water towing or emergency help when your boat breaks down.

Personal Property

Covers gear and equipment stored on the boat, like fishing rods or GPS devices.

Frequently Asked Questions

  • Is boat insurance required in Florida?

    Florida doesn’t legally require boat insurance, but most marinas, storage facilities, and lenders do. Even if it’s not required, having coverage is essential for protecting your boat from damage, liability claims, and other costly surprises on the water.

  • Does my homeowners insurance cover my boat?

    Most homeowners policies offer limited coverage for small boats with low horsepower. However, if you own a larger boat or personal watercraft, you’ll need a separate boat policy. We’ll help you determine where your home insurance ends and where your boat insurance should begin.

  • Is hurricane damage included in boat insurance?

    Yes—if you carry comprehensive coverage. It protects your boat from storm-related damage, including high winds, falling debris, and even storm surge if your policy includes named-peril flood protection. We strongly recommend this for Florida boaters.

  • Can I insure my boat trailer and equipment too?

    Absolutely. We can extend your policy to cover trailers, outboard motors, anchors, life vests, GPS systems, and more. Let us know what’s part of your setup so we can build protection around it.