American Integrity Boat Insurance
Comprehensive protection designed specifically for Florida boaters.
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Fast Quotes
Easy Claims
24/7 Support
5/5 Rating
5+ Years Experience
Florida Specialist
Multiple Discounts
Base Coverage Options
Flexible Protection for Your Watercraft
HULL COVERAGE
Up to $200,000 in present value
Up to $300,000 with UW approval
Agreed value or actual cash value
Fuel spillage coverage included
LIABILITY PROTECTION
Up to $500,000 Combined Single Limit available
$250,000/$500,000 Split Limits
Uninsured Boater coverage
POLICY OPTIONS
Up toHull and liability, or liability only $200,000 in present value
Maximum of two owners
Additional Insured endorsement
Discount for excluding UB coverage
Eligible Vessels
Approved Watercraft Types We Insure
Monohull Sailboat
Bass Boat
Center Console
Inflatable
Multihull Sailboat
Rigid Hull Inflatable
Pontoon Boat
Runabout
Plus: Jet Skis, WaveRunners, Cruisers, and Driftboats
NOT ELIGIBLE: Trawler • Houseboat • Airboat
Binding Authority
30’ in length*
Up to 60 mph with no more than 2 engines. No max on HP
Hull Coverage: Up to $200,000 in present value. Up to $300,000 with UW approval*
25 years of age (and up to 50 years of age)*
Only closed in Monroe County
AOP Deductible Schedule
Deductible Options to Fit Your Needs
Agreed Hull Value
1% (Minimum $250)
2% (Minimum $500)
3% (Minimum $750)
4% (Minimum $1,000)
5% (Minimum $1,250)
Actual Cash Value
$250
$500
$1,000
$2,000
$3,000
Discounts & Surcharges
Safety Courses and Captains License Discount. Doesn't matter when they took the course to receive the discount
State Certified Safety Course
United States Power Squadrons (USPS) Safety Course
United States Coast Guard Auxiliary (USCGAUX) Safety Course
United States Coast Guard Captain's License
No Prior Insurance Surcharge
United States Coast Guard Captain's License
Multi-Program Discount: this discount is available to customers who purchase a boat policy and have their primary HO-3 or HO-6 policy with American Integrity
Insurance score earns up to a 25% discount
Other Features & Coverages
Named Storm Deductible for all boats is $3,000 or 5% of the Hull and Equipment limit, whichever is greater. If, at the time of the storm, the boat is completely on land and tied to in-ground anchors or similar in-ground structures, the selected AOP deductible would apply instead of the Named Storm Deductible
All boats have cruising limits of 75 miles off the coast of U.S. and Canada Coastal Waters. Additionally, we include the Great Lakes and Inland Waters in our cruising limit
We offer Trailer coverage up to $10,000
New Boat Replacement endorsement is available for boats that are not more than one year old based on the policy effective date, and provides coverage if a boat is deemed a total loss within 2
You can write up to 6 boats and/or Jet Skis/WaveRunners on a single policy for an insured
You can write a standalone Jet Ski/WaveRunner without having a boat on the policy
We do not require policyholders to file a navigation or hurricane plan with us
The insured can list a marina as an additional insured. The named marina is required to maintain a comprehensive marina keeper’s liability po
