Shop & Save Instantly On Florida Boat Insurance

Boat insurance helps protect your watercraft against things like accidents, theft, or storm damage. In Florida, where boats are used year-round and storms are a real risk, coverage can save you from big out-of-pocket losses.

No, Florida doesn’t require boat insurance by law. But if you finance your boat, the lender will usually require it. And marinas or storage facilities might need proof of liability coverage before you dock or store there.

Only up to a point. Some home insurance policies might cover small boats (under 25 horsepower) while stored, but anything larger or more valuable probably needs a separate boat policy. Plus, home insurance won’t cover damage from towing, launching, or using the boat.

It depends on your policy, but most include:

• Physical damage (storms, theft, accidents)
• Liability (if you injure someone or damage their property)
• Medical payments
• Towing and assistance on the water
  You can also add coverage for fishing gear, trailers, or personal effects onboard.

Towing and assistance on the waterYou can also add coverage for fishing gear, trailers, or personal effects onboard.

Yes, it’s smart to keep your policy active year-round. Storms can hit anytime, and theft or storage damage isn’t limited to boating season. Many claims happen when boats aren’t even in the water.

Not fully. Homeowners insurance might offer limited coverage for small, inexpensive boats while stored at home. But it doesn’t cover liability, or anything that happens while the boat’s on the water or being transported.

You pay a premium in exchange for protection against specific risks. If something happens—say your boat sinks during a hurricane or you collide with another vessel—you file a claim. The insurer investigates and pays based on your policy terms, minus your deductible.

Yes. Theft, fire, vandalism, and storm damage can happen anytime—especially in Florida. Storing it doesn’t eliminate risk, and insurers might even offer discounts for lay-up periods if it’s docked or unused for months.

Premiums vary based on the boat’s type, size, value, how you use it, and where you keep it. Florida policies can be higher than average because of year-round boating and hurricane risk. Basic policies may start around $200 per year, but larger or high-performance boats cost more.

Trailer damage may be covered under your auto policy, but not always. If you want full coverage for theft or physical damage to the trailer itself, consider a policy endorsement or adding it to your boat insurance.

Think about:

• Where you’ll use the boat (inland, coastal, international)
• How often and during what seasons
• Its value and if you want full replacement coverage
• Whether you need extras like towing, uninsured boater, or hurricane haul-out coverage
  Ask about hurricane-related clauses too—some insurers may require specific prep steps or exclusions.

Most policies cover:

• Fishing boats
• Sailboats
• Jet skis and PWCs
• Yachts
• Pontoons
• Bass boats
  Some carriers may exclude older boats or high-speed models. Always check before buying.

Yes. You can:

• Take a boating safety course
• Install safety gear like GPS trackers or bilge alarms
• Bundle with home or auto insurance
• Choose a higher deductible
• Limit your coverage during off-season months (if allowed)

It usually covers non-collision events—like theft, fire, vandalism, or storm damage. In Florida, that often includes hurricane-related damage, though windstorm coverage may have special deductibles or exclusions.

You can get a personalized quote fast through Worth Insurance. Just provide a few details about your boat, where you keep it, and how you use it. Agents familiar with Florida risks can help tailor the policy to your exact needs.

Comprehensive boat insurance covers theft, vandalism, and damages from non-collision incidents like hurricanes. This extensive protection offers peace of mind for boat owners.