Between the St. Lucie River, the Indian River Lagoon and the inlets to the Atlantic, boating is part of life here. A dedicated boat policy protects your vessel, your equipment and you — from collisions and theft to fuel spills and hurricane haul-outs.
Owners of boats, yachts, jet skis and pontoons.
Many marinas and lenders require liability coverage and a named-storm plan.
Towing & assistance, fishing equipment, trailer coverage.
What boat insurance can cover
- Physical damageRepairs or replaces your hull, motor and equipment after a covered loss.
- LiabilityCovers injuries to others and damage to their boats, docks or property.
- Uninsured boaterProtects you if you’re injured by a boater without coverage.
- Medical paymentsHelps cover medical costs for you and your passengers.
- On-water towingPays for towing and assistance when you’re stranded.
- Hurricane haul-outSome policies help pay to move your boat out of harm’s way before a named storm.
Florida tip: Homeowners policies offer very limited coverage for boats — often only small boats with low horsepower. If you own anything larger, you need a boat policy.
Boat & Watercraft insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with boat & watercraft insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
Is boat insurance required in Florida?
Florida law doesn’t require boat insurance for most recreational boaters, but marinas, storage facilities and lenders usually do.
Are jet skis covered by my homeowners policy?
Usually not, or only minimally. Personal watercraft need their own policy for both physical damage and liability.
Ready for your boat & watercraft quote?
Free, no-obligation, and compared across multiple carriers.