From fishing boats and pontoons to larger yachts, Florida boaters need coverage that fits the vessel, where it’s kept and where it goes. Dupuy Insurance compares boat and yacht insurance across the marine carriers we work with.
Coverage to consider
- Hull and equipment: damage to the boat, motor and permanently attached equipment.
- Liability: injuries or damage you cause to others or their property while boating.
- Uninsured boater and medical payments: depending on the policy.
- Towing and assistance, fuel spill and wreck removal: available on many marine policies.
- Trailer and personal effects: optional.
Carriers look at the boat’s type, length, age and value, your boating experience, where it’s kept, and the waters you navigate. Hurricane season matters in Florida, and many marine policies ask how you’ll protect the boat when a named storm approaches. We’ll explain the terms before you choose.
Common questions
Is boat insurance required in Florida?
Florida law doesn’t generally require it, but lenders, marinas and some storage facilities often do, and they may ask to be listed on the policy.
Doesn’t my homeowners policy cover my boat?
Homeowners policies often give only limited coverage for small boats, and little or none for larger boats or liability on the water. A boat policy is built for those risks.
Can you insure a jet ski or personal watercraft?
Yes. Personal watercraft can be insured on a marine policy. Send us the make, model, year and value with your request.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or send us your boat’s details online.
Boat and yacht insurance quotes are for vessels in Florida. Coverage is subject to eligibility, underwriting and policy terms.