Florida has more registered vessels than any state, and a homeowners policy only extends to small, low-horsepower boats with minimal liability. Anything more needs its own policy.
What boat insurance covers
- Physical damage to the hull, motor, and trailer
- Watercraft liability — injury or damage you cause on the water
- Medical payments for you and your passengers
- Fuel-spill liability and wreck removal
- On-water towing and coverage for personal effects
When you need a dedicated policy
Larger or faster boats, financed boats (lenders require coverage), and marina slips (marinas usually require liability). If it's more than a small skiff, get a policy — don't lean on your homeowners.
The Florida hurricane wrinkle
Many policies cover named-storm damage but require a haul-out or hurricane plan. Know your policy's storm provisions before the season, not after a warning goes up.
Pair it with an umbrella
On-water liability can be serious. A personal umbrella can extend over your boat policy for an extra layer of protection.
Frequently asked questions
Is boat insurance required in Florida?
The state doesn't mandate it, but lenders and marinas usually require liability coverage, and it protects you from costly on-water claims.
Does my homeowners policy cover my boat?
Only small, low-horsepower boats, and with very limited liability. Anything larger or faster needs its own policy.
Does boat insurance cover hurricanes?
Usually yes, but many policies require a named-storm haul-out or hurricane plan. We'll explain your policy's storm provisions.
Getting out on the water?
We'll quote the right boat coverage across carriers — free.
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