Boating Insurance

The Tampa Bay area has some of the most beautiful boating spots in North America. We know how enjoyable it is to spend the day on a yacht or a simple fishing boat!

Although insurance is not required in Florida on a boat for personal use, it is still a very good idea to carry coverage to protect your personal liability, as well as injuries, in the event of a boating accident.

As a boater, you value your vessel highly; knowing that, we offer you a wide variety of options when it comes to your boat.

Boat Insurance Coverage Options
  • Physical Damage Coverage
    Choose actual cash value, replacement cost, or agreed value coverage for your boat, motor, trolling motors, trailer, permanent and portable boating equipment (subject to certain limitations). Partial losses are not subject to depreciation, except batteries, sails, plastic and canvas coverings, outdrive units and outboard motors more than five years old, and personal watercraft.
  • Roadside Assistance Coverage
    Pays for towing and labor for covered emergencies.
  • Personal Effects Coverage
    Coverage for personal items you take boating, such as cameras and clothing.
  • On-water Towing & Labor Coverage
    Coverage to help get you back on dry land.
  • Fishing Equipment Coverage
    Protection for your rods, reels, lures, tackle boxes and electronic gear.
  • Boat Rental Reimbursement
    If your boat is disabled more than 24 hours due to a covered loss, this coverage helps pay for a rental boat so that you can get back out on the water.
  • Boat Liability Insurance
    Protects against personal injury claims and for damage to the property of others.
  • Medical Payments
    Insurance that pays medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.
  • Uninsured Boaters Coverage
    Protects against bodily injury to you due to an accident caused by an uninsured boater.
Boat Insurance Discounts
  • Boater Safety Course
    Applies when a rated operator has taken an approved safety course
  • Diesel Fuel
    Applies to boats powered by diesel fuel
  • Multi-boat 
    Applies when you insure more than one boat on the same policy (personal watercraft do not apply)