Boat Insurance in South Florida is not mandatory, however it is highly recommended due to the high number of uninsured boaters out there.

How much you will have to pay for it will depend on many factors, for instance, the size, type, value of the craft and the water in which you use it. A boat owners policy can insure you against most risks of owning and operating your boat, it’s motor and its trailer. It can also protect you against liability lawsuits, should you injure someone with your boat or damage their property.

You will enjoy being on the water even more when you are comfortable with the level of coverage you chose for your family, guests and investment. Boat Insurance in South Florida equals peace of mind.


Coverages to Consider While shopping for Boat Insurance in South Florida

Agreed Value Coverage

Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has being stolen or destroyed.

Emergency Assistance

The emergency assistance provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Unattached Equipment Coverage

This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.


Personal liability coverage provides coverage to other boaters and boat owners in the event that you are at fault for an accident on the water.

Medical Payments

MP coverage will pay for the cost of needed care that is the result of an accident. It covers you, your passengers regardless of who is at fault.

Navigational Area

Know where you are covered in the water.

Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged there is a chance that it could leak oil or fuel into the water. As the boat owner’, you are required by law to have this cleaned up, which can be time-consuming and expensive.

Physical Damage

Since boat insurance is not mandatory in the Florida state, many boaters choose not to get insurance. If you are hit by an uninsured boater and you are injured, this type of coverage pays for medical treatment, lost wages and other costs associated with the accident.

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