Florida Boat Insurance Quotes

Boat insurance for Florida boat owners

Whether you run a center console offshore, fish the flats from a bay boat or cruise a pontoon on a lake, the right policy depends on your boat and how and where you use it. We focus exclusively on boats kept in Florida.

What shapes a Florida boat insurance quote

Insurers commonly look at details like these. How each one affects your price varies by insurer.

• Boat type, length and age
• Hull material
• Engine type, number of motors and total horsepower
• Estimated value of the boat
• Where the boat is kept (ZIP, marina, lift, trailer)
• Where and how you use it

Hurricanes and named storms

Florida boat owners should understand how a policy treats named storms, including any separate deductible and whether a written hurricane plan is expected. Read our Florida hurricane boat preparation guide.

Agreed value or actual cash value?

How your boat is valued in a total loss is one of the most important policy details. See agreed value vs. actual cash value.

Insurance by boat type

Boat insurance near you in Florida