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Shop & Save Instantly On Florida Boat Insurance

Compare quotes and options from our marketplace of Top-Rated Florida Boat Insurance Providers

Greater Selection = Better Value Options
Maximize Discounts, Secure More Savings
Top-Rated Consumer Shopping Experience
4.9 / 5.0
Based on 5,000+ Customers
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"Lillian Marin was excellent! She was very helpful, and made the process so simple and efficient."

Ricardo M.
Naples, FL

"Alex was very professional and extremely helpful! He made the insurance process a breeze! Highly recommended!."

Betsy C.
Florida's Leading Boat Insurance Providers

How It Works

Say Hello to a Better Boat Insurance Shopping Experience

STEP
1
Apply

Provide information about the property you want to insure. We’ll assign you a licensed professional to personally review your boat.

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STEP
2
Compare

We’ll scour the market for the best quotes and provide you with a variety of options to choose from.

STEP
3
Buy

Our team will help you select the best option for your needs.

We’ve helped 1000s of customers

Since 2018, we've strived to be the leading online digital insurance marketplace.

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Why Worth Insurance?

Comparison Sites
Captive Agent
Service
Personal Agent
Automated Search
Outsourced
Coverage Options
Tailored to your needs
Limited options
Limited
Costs
Competitive Rates
High
Varies
Time & Efficiency
Quick & Easy
Quick
Prolonged
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We Help You Save & Maximize Discounts

Our agents give you personalized attention and have access to the best savings, discounts, and quotes available. You always get the coverage you need for your boat at the lowest possible rate.

Let Worth Insurance take care of your boat insurance needs – and lock in your savings and discounts today. Take a look at some of the ways we can help you save:

Multi-policy
Responsible
driver
Original owner
Transfer from another company
Multi-policy
Responsible
driver
Original owner
Transfer from another company
Multi-policy
Responsible
driver
Original owner
Transfer from another company
Association
Multi-boat
Advanced
quote
Pay in full
Association
Multi-boat
Advanced
quote
Pay in full
Association
Multi-boat
Advanced
quote
Pay in full
Prompt
payment
Safety course
Small accident forgiveness
Large accident forgiveness
Prompt
payment
Safety course
Small accident forgiveness
Large accident forgiveness
Prompt
payment
Safety course
Small accident forgiveness
Large accident forgiveness

Get the Best Boat Insurance Coverage Hassle-Free with Worth Insurance

Quick & Easy
Application Process

No more spending hours browsing through quotes on comparison websites or filling out lengthy forms. With Worth Insurance, you can apply in under 60 seconds and let our agents handle the rest.

Save Money & Worry Less
about Costs

Our agents will find you competitive rates and discounts so that you can enjoy comprehensive coverage without breaking the bank.

Stay Ahead of Unexpected Disasters or Losses

Our modern technology enables us to move faster than other agencies, ensuring that we secure tailored coverage options for you as soon as possible. So you don't have to worry about facing unexpected disasters or losses.

We Make Shopping for Boat
Insurance Simple & Stress-Free

Enjoy Peace of Mind

We take the stress out of shopping for boat insurance. We make it easy to shop and save, so you don't have to worry.

Quality Coverage

Protecting your boat is our top priority, and we guarantee quality coverage from only the best-rated carriers on the market.

Save Time and Money

Our technology allows us to move quickly, so you don't have to wait months to get the necessary coverage. Our simple process makes getting the insurance you need easier than ever.

Get Help From A Licensed Professional

Our experienced team will help you navigate the market and get the best rates for your needs.

Easy Process

Apply in under 60 seconds, and let us take the stress out of comparing options and locking in your rate.

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Frequently Asked Questions

We get it. Boat insurance is complicated. We're here to help clear things up.

What is boat insurance?

Boat insurance financially protects you from injuries or damages caused to you or others while boating.

Am I required to have boat insurance?

Most states don't require boat owners to purchase boat insurance. If the boat is financed, the lender might require the owner to carry coverage. Additionally, if the boat is kept in a marina or storage facility, the facility might require insurance on the watercraft.

Does homeowners insurance cover boats in storage?

Boats in storage may not be covered by homeowners insurance. However, if your homeowner's policy does cover your boat in storage, the Insurance Information Institute says that likely only boats such as canoes, small boats, and small sailboats will be covered. It goes on to say that the coverage would be minimal.

What does boat insurance cover?

Boat insurance will cover damage to the hull, furnishing, motor, sails, trailer and much more. If you cause an accident, your boat insurance will cover the damage you caused, injuries/death of another person, and damage to another's boat.

Do I need boat insurance during the off season?

It is a good idea to have insurance during the off-season, hazards such as fire and theft may happen at any time. If you do not have boat insurance, you may have to pay to repair or replace your boat if stolen or damaged.

Is a boat covered under homeowners insurance?

Unfortunately boats are not covered under home insurance policies. A boat needs a separate insurance policy given its value and risk exposures.

How does boat insurance work?

Boat insurance is the promise to pay in the event of a covered loss. If you damage your boat or cause injuries or damages to another person, insurance is there to pay for the losses as long as they are covered in the policy.

Do I need to insure my boat in storage?

It is not a bad idea to keep your boat insured. Theft, damage, and various other types of hazards will be covered by your boat insurance while your boat is stored. In addition, when you are ready to put your boat back in the water, you will not have to think about reactivating your policy.

How much does boat insurance cost?

On average you can expect your boat insurance to cost $200-$500 every year. However, if you own a big boat (like yacht or sailboat), the boat insurance can cost between 1-5% of boat's value.

How does boat insurance work?

Boat insurance works the same as car insurance. If you cause damage to another boat or your own, you can file a claim with your insurer, requesting they pay for the damages. If the event is covered, all losses or injuries will be paid by your insurer up to coverage limits.

Do I need insurance on my boat trailer?

No state requires insurance for your boat trailer. However, if you have an accident with your boat trailer involved, it is possible you could be liable for damages.

What should I think about when buying boat insurance?

A few things to think about: How often do you take people out on your boat? Are there any special features on your boat (you might need extra protection)? Where are you going to use your boat? Before buying boat insurance, it would be smart to talk to an insurance representative.