A Local’s Guide to Boat Insurance in Florida

Why Coverage Matters, Even If It’s Not Required

In Florida, spending time on the water isn’t just a weekend hobby—it’s part of the lifestyle. Whether you’re cruising the bay, fishing at sunrise, or taking the jet skis out with the kids, being out on the water brings a kind of peace you just can’t find on land. But as your local insurance advisor and fellow Floridian, I’ve seen how quickly a perfect day can go sideways when the right protection isn’t in place. 

Let’s talk about boat insurance. It’s not required by law here in Florida, but that doesn’t mean it’s not important. 

Do You Have to Carry Boat Insurance in Florida? 

Technically, no. Florida doesn’t require boat owners to carry insurance. But in real life? Most marinas won’t let you dock without it. And if your boat is financed, your lender will almost always ask for coverage. More importantly, having insurance means you’re not left holding the bag if something goes wrong—like an accident, a storm, or even theft. 

In other words, just because it’s not required doesn’t mean it’s not a smart move. 

Why More Florida Boaters Are Getting Covered 

Our state is known for sunshine and sparkling water, but it’s also known for hurricanes, fast-moving storms, and busy waterways. Every year, boats are damaged or lost due to rough weather and collisions. That’s where a solid policy really earns its keep. 

Here’s what the right coverage can help with: 

• Damage from hurricanes or other weather events 

• Liability if someone gets hurt or property is damaged 

• Theft, vandalism, or accidents with uninsured boaters 

What Kind of Coverage Should You Consider? 

Boat insurance isn’t one-size-fits-all. The best policy is one that fits your watercraft, your lifestyle, and your level of risk. 

Some key options include: 

• Liability Coverage – Helps cover damages or injuries you cause to others 

• Comprehensive & Collision – Helps protect your boat from weather, accidents, and more 

• Uninsured Boater & Medical Payments – Helps if someone hits you and doesn’t have coverage, or if you or your passengers are injured 

Think of it like this: if you’d insure your car, why not your boat, especially when it’s just as big of an investment? 

Working with Someone Who Gets It 

Finding the right boat insurance in Florida means working with someone who understands what it’s like to live and boat here. I’ve helped families, retirees, and weekend warriors protect their vessels for years. We talk through what you really need, what you don’t, and how to get the best value for your money. 

There are also ways to save, like bundling with your home or auto insurance, or taking a boating safety course. 

You don’t need boat insurance in Florida by law, but if you ask me, the peace of mind is worth every penny. From pop-up storms to crowded waterways, things can change fast out on the water. 

So if you’re wondering what kind of policy fits your needs—or if it’s time to review what you’ve already got—I’m just a phone call away. Helping neighbors stay protected is what I do best.