Florida is boat country, and most boat policies here are bought on price and read for the first time after something goes wrong. We place small-craft coverage the way we place commercial lines: agreed value where it’s available, liability limits that match the real exposure, and straight answers about what the policy won’t do.
What it covers
- Physical damage to the hull, motor, and equipment — agreed value or actual cash value, stated plainly
- Liability for injury and property damage, including wake damage
- Medical payments for people aboard
- Uninsured-boater coverage — a Florida essential, because many boaters carry nothing
- The trailer, electronics, and fishing gear
- On-water towing and assistance
Who needs it
Florida doesn’t require boat insurance by law — but your lender, your marina or dry-stack, and common sense usually do. If the boat ever carries paying passengers, see the charter-boat side instead: a personal policy excludes hire.
Two details drive every Florida quote: the named-storm deductible and where the boat lives — lift, rack, trailer, or wet slip. Getting those right (and honest) is the difference between a fair premium and a denied claim.