Watercraft Insurance

Protect your boat, jet ski, or personal watercraft with coverage built for life on Florida waters.

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Serving Clients Across Florida

Coverage Overview

What Watercraft Insurance Covers

Watercraft insurance protects your boat and covers you if an accident happens on the water. We'll help you choose coverage that fits your vessel, how you use it, and where you keep it.

Physical Damage

Helps repair or replace your boat after a covered loss on or off the water.

Liability

Covers injury or property damage you cause to others while boating.

Medical Payments

Options to help cover medical costs for you and your passengers after an incident.

On-Water Support

Coverage options for towing, emergency assistance, and related services.

Good Fit For

  • Boat owners, jet ski owners, and weekend cruisers
  • Families who take guests out on the water
  • New boat owners who want simple coverage guidance
  • Anyone who wants protection beyond a homeowners policy

Quick Checklist

To get a fast quote, have this ready:

  • Boat year, make, and model
  • Length and engine details
  • Where it's stored (marina, trailer, dock)
  • How you use it (recreation, fishing, seasonal)
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Questions?

We'll help you compare options and keep the process simple.

(561) 421-3600

Helpful Note

Coverage can differ by vessel type and where you operate. We'll make sure your policy matches your boating plans.

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Independent Agent

We work for you, not the carrier. No quotas, no pressure.

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We shop multiple companies to find you the best rate.

Florida-Based Team

Local experts who understand Florida's insurance market.

Common Watercraft Insurance Questions

Answers to what we hear most often.

Some homeowners policies offer limited watercraft coverage, typically for small boats with low horsepower engines, and usually only while on your property. Larger boats, jet skis, and any vessel used on open water should have a dedicated watercraft policy for proper protection.

Many watercraft policies extend coverage to the boat and trailer while being transported. However, the trailer itself may require separate coverage, either through the watercraft policy as an endorsement or through your auto policy. We'll make sure there are no gaps in coverage when you're on the road.

Navigation territory defines where your policy covers you, for example, inland waterways only, up to a certain number of miles offshore, or across international waters. If you go beyond the defined territory, a claim may be denied. We'll make sure your policy matches where you actually boat.

Coverage for fishing gear, trolling motors, fish finders, and onboard electronics varies by carrier and policy. Some include them as part of the base coverage; others require a scheduled endorsement. If you have significant gear on board, we'll make sure it's properly accounted for in your policy.

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Ready to compare coverage options?

We'll find the right policy for your needs and budget. No pressure, no jargon.

Request a Quote (561) 421-3600