Affordable Florida Boat Insurance with Progressive
Starting at Just $100/year — Fast, Flexible Coverage Backed by Local Experts
Protect your boat, your guests, and your wallet with customizable boat insurance designed for life on Florida’s waters. Powered by Progressive. Delivered locally by Worth Insurance.
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Why Florida Boaters Choose Worth Insurance
Fast Quotes, Easy Claims
Get insured in minutes and access 24/7 support
Rated 4.5/5 Claims Satisfaction
Backed by Progressive’s national strength
Local Florida
Experts
Based in Palm Beach Gardens, we know the waters you sail
Florida Isn’t Just Sunny; It’s Risky for Boaters
The Sunshine State may be a boating paradise, but Florida’s unique environment brings
serious risks that can sink your finances without the right protection.
Hurricane Damage
Is Rising
Every season, powerful storms threaten Florida’s coastline — damaging docks, sinking boats, and triggering costly repairs. Even inland areas aren’t immune to severe weather.
Fuel Spills Can Lead
to Big Legal Bills
A small accident can cause a fuel spill, which often means mandatory cleanup and legal fines. Without coverage, you could be on the hook for thousands.
Boat Theft Happens
More Than You Think
Florida consistently ranks among the top states for stolen watercraft. Smaller boats and personal gear like fishing equipment and electronics are common targets.
The Bottom Line: Florida is beautiful — but it’s also unpredictable.
Don’t leave your boat or your wallet exposed.
Coverage Designed for Florida Boaters
Basic Liability Coverage
From $100/year
Protects against injury or property damage to others:
Bodily injury liability
Property damage liability
Wreckage removal
Fuel spill cleanup
Watersport liability
Hull & Full CoveragE
Customizable Rates
Protect your own boat and gear from damage, theft, or storms:
Comprehensive & collision
On-water towing
Fire & theft protection
Optional Add-Ons
for Extra Peace of Mind
Enhance your policy with these valuable extras:
Propulsion Plus® – Covers engine breakdowns
Sign & Glide® – Emergency towing, jump starts, fuel delivery
Fishing gear & personal effects – Up to $10,000 covered
Do You Need Boat Insurance in Florida?
While boat insurance isn’t required by law in Florida, here’s why smart boaters still get covered:
Marinas may require liability insurance
Lenders require full coverage on financed boats
Florida hurricanes make coverage a must
Protect yourself from lawsuits and out-of-pocket costs
Save Big with Exclusive Discounts
Multi-Policy Discount: Bundle your boat policy with auto, home, motorcycle, or RV and save up to 25%.
Boater Safety Discount: Complete a certified safety course (USCG, USPS, etc.) — get rewarded with lifetime discounts.
More Ways to Save
Original owner discount
Multiple boats (up to 6)
Paid-in-full savings
Frequently Asked Questions
Is boat insurance required in Florida? No — but most marinas and lenders require it, and it’s strongly recommended due to weather risks.
How fast can I get covered? In most cases, your quote takes under 60 seconds, and you can bind coverage the same day.
What’s the minimum cost? Liability-only coverage starts at $100/year. Full coverage starts around $250/year.
Can I cover my fishing gear or electronics? Yes — up to $10,000 in coverage for gear, with $1,000 per-item limits.
Get a Quote from Florida’s Boat Insurance Experts
With low rates, top-rated claims service, and Florida-based experts, Worth Insurance makes boat insurance easy.
Questions? Call us at 561-463-5814
