A group of boats in the water at dusk.

Boat Insurance

What you need to know about Florida boat insurance

Boat insurance provides protection for you against a financial loss caused by owning or operating a boat or personal watercraft. Boatowners insurance is a package policy, which can include coverage to your property and liability for injuries or property damage caused to other people.

What does Florida boat insurance cover?

Physical Damage (Comprehensive and Collision)

Covers physical loss or damage for the watercraft including permanent equipment

Property Damage Liability

Provides legal liability for a covered accident that involves damage to someone’s property, up to the limit of liability you select.

Bodily Injury Liability

Provides payment for injury or death resulting from an accident for which you are at fault. Bodily injury liability, also known as BI, can help pay for the injured party’s medical expenses and lost wages, and may also help provide compensation for legal defense. The limit, or the amount covered, is select when you purchase your auto insurance policy.

Medical Payments

Medical payments help cover medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.

Uninsured/Uninsured Boaters Coverage

Pays damages due by law to you from the owner or operator of an uninsured/underinsured watercraft because of bodily injury suffered by you.

Personal Effects Coverage

Coverage for non-boating related equipment such as fishing equipment, stereo, water skiing or other sporting equipment, and clothing lost or damaged while on board.

On-water Towing and Labor

This option covers towing expense and other emergency services up to selected limits in the event your boat becomes disabled while on the water.

Fishing Equipment

Fishing equipment insurance helps cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat.

Florida Boat Insurance Policy Enhancements & Additional Discounts 

The following policy enhancements are available from most companies:

  • Replacement Cost (available for new boats)
  • Agreed Value

Available Discount

  • Safety Course
  • Multi-Boat
  • Multi-Policy

*Statements on this website provide general information only as it relates to policies and coverages. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Please contact one of our licensed agents for questions regarding your specific needs and policy.

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