Boat Insurance

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Coverage That Keeps You Afloat

Whether you're cruising the Intracoastal, fishing the Gulf, or towing your boat to a Florida lake, the right insurance helps protect your investment on and off the water. We offer customizable boat insurance policies designed for Florida boaters-with local knowledge and hands-on support.

What's Typically Covered

A standard boat insurance policy may include:

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Liability Coverage 

Covers damage or injury you cause to others while operating your boat

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Physical Damage Coverage

Pays to repair or replace your boat after a covered incident

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Uninsured Boater Coverage

Helps cover injuries caused by another boater with no insurance

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Medical Payments Coverage 

Helps with medical bills for you or your passengers

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Fuel Spill & Wreckage Removal

Covers clean-up costs after an accident

We'll help you understand what's included-and what's not-before you hit the water.

Add-Ons for Florida Boaters

Looking for more protection or better peace of mind? Add-ons and upgrades include:

  • Trailer Coverage 
    Covers your boat trailer while on the road or in storage

  • Personal Effects Coverage 
    Protects fishing gear, electronics, and safety equipment

  • Hurricane Haul-Out 
    Pays to move your boat before a named storm

  • Agreed Value Policies
    Locks in a set payout amount in case of total loss


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Why Florida Boaters Choose Insured Choice

01

Local Insight for Local Waters

We understand Florida's unique risks-storms, tides, saltwater, and all.

02

Coverage That Travels with You

Many policies extend to inland lakes, rivers, and coastal waters throughout the state.

03

Easy Claims & Friendly Help

We're just a call away if something goes wrong on the water or at the dock.

FAQs About Boat Insurance in Florida

  • Is boat insurance legally required in Florida?

    No, but marinas and lenders may require it-and it's highly recommended to protect against accidents and liability.

  • What types of boats can I insure?

     We cover most watercraft, including pontoons, fishing boats, sailboats, jet boats, and personal watercraft like jet skis.

  • Does homeowners insurance cover my boat?

    Only small boats (typically under 25 hp). For real protection, you'll want a separate boat policy.

  • Will I be covered if I tow my boat?

    Yes-with proper trailer coverage and liability in place. We'll make sure you're covered on land and water.

  • Does my policy include hurricane or storm damage?

    Many boat policies cover storm damage, but options vary. We'll help you find coverage that fits Florida's weather risks.

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Let's Build the Right Policy for Your Boat

From flats boats to pontoons to personal watercraft, we'll help you find the coverage you need to relax and enjoy the water.