what we do
Florida Boat & Watercraft Insurance
Protect Your Boat — On the Water and at the Dock
With year-round sunshine and thousands of miles of waterways, Florida is a boater’s paradise. While boat insurance isn’t required by Florida law to register a vessel, many marinas and lenders do require it — and without coverage, a single accident or storm can put your investment and finances at risk. Boat insurance helps protect your watercraft, your passengers, and your liability so you can enjoy the water with confidence.
What Does Boat & Watercraft Insurance Cover?
Boating Liability Coverage
Protects you if you cause injury to others or damage another boat, dock, or property while operating your vessel.
Physical Damage Coverage
Helps repair or replace your boat if it’s damaged in a collision, stolen, or affected by covered events like storms or fire.
Medical Payments
Covers medical expenses for injuries to you or your passengers while on the boat.
Equipment & Gear Coverage
Protects onboard equipment such as navigation systems, fishing gear, and safety equipment.
Towing & Assistance
Helps cover the cost of on-water towing or emergency assistance if you’re stranded.
Hurricane & Haul-Out Coverage
Some policies offer coverage to help pay for hauling your boat out of the water or securing it when a named storm approaches — a valuable option for Florida boat owners.
Coverage for Every Type of Watercraft
Florida boaters face unique risks, from crowded waterways and theft to tropical storms and hurricanes. We help you tailor coverage based on how and where you use your boat. Whether you own a fishing boat near Jupiter Inlet, a sailboat in the Palm Beaches, a yacht, or personal watercraft like jet skis, we compare options from multiple carriers to find the right balance of protection and cost. Coverage can also extend to periods when your boat is stored or not in use.
Our Process
1
Review your boat type, value, and usage
2
Identify liability and physical damage needs
3
Discuss hurricane and storm-related options
4
Compare quotes from multiple Florida marine insurers
Common Boat
Insurance Coverage Options
The table below highlights key coverages Florida boaters often choose.
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| Liability | Liability Injuries and property damage | Protects assets on the water |
| Physical Damage | Repairs or replacement of your boat | Covers accidents, theft, storms |
| Medical Payments | Injuries to passengers | Helps with medical costs |
| Towing & Assistance | Emergency towing | Avoids expensive out-of-pocket costs |
| Hurricane Haul-Out | Storm preparation expenses | Valuable for Florida boat owners |
Not sure which options fit your boat? We’ll help you navigate it.
Common Questions About Florida Boat Insurance
Do I need boat insurance in Florida?
Florida doesn’t require boat insurance by law, but marinas and lenders often do. It’s also highly recommended to protect your investment and liability.
What does boat insurance cover during a hurricane?
Coverage varies by policy. Some include storm damage and optional haul-out coverage to help move your boat to safety before a named storm.
How much does boat insurance cost in Florida?
Costs depend on the boat type, value, location, usage, and coverages selected. We compare multiple carriers to find competitive options.
Can you insure jet skis or personal watercraft?
Yes. We insure personal watercraft (PWC), jet skis, and other small watercraft.
Does coverage apply when my boat is stored?
Many policies can cover your boat while in storage or out of the water. We’ll review those details with you.
Get Covered Before You Head Out
Protect your boat, your passengers, and your peace of mind with Florida boat insurance designed for real-world risks. Our Jupiter-based team proudly serves boaters across Florida & Beyond with straightforward guidance and dependable coverage options.
1
What we believe
We stand for beauty that feels real and shows real results.
We choose thoughtful over rushed. Intentional over trendy. Real over filtered. We believe in confidence that isn’t loud but is undeniable.
2
What we try to deliver
A skin that feels like home, and in a version of beauty that is deeply yours.
We use organic, dermatologically tested products to deliver impactful treatments that are safe and healthy for your body.
