Protect your investment with a boat insurance policy.
Get boat insurance for as low as $80/year*
Welcome to the easiest place to get boat insurance
Most of the time, all you need to do is get a boat insurance quote online, tell us a bit about your boat and we compare rates and plan from most companies who right Boat insurance in Florida. It should be that easy everywhere, but it’s not. Here’s how we make it easier and why it matters.
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With Most of Our Carriers We Offer
No marine survey required
Some other boat insurance companies require a detailed inspection of your boat (usually costs $20 per each linear foot). For a 15-foot boat, this costs about $300. With some of our companies, that $300 could pay for your entire boat insurance policy for THREE STRAIGHT YEARS.
Propulsion Plus® coverage for mechanical breakdowns
You’ve probably heard that insurance never covers common wear and tear or mechanical breakdowns. Think again because we have a carrier that does cover it. That carrier will repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown—even if it’s caused by wear and tear.
Total loss replacement for a brand new boat
With some of our companies you can purchase this coverage if your boat is no more than one model year old. If it’s totaled within 5 model years, we’ll either buy you a new one or give you the amount you originally paid for your totaled boat—your choice. If you’re outside the 5-year window, we’ll give you the original purchase price you paid. No depreciation. No estimations. Just extra cash for you.
For example, let’s say you bought a brand new boat three years ago for $15,000, but that boat is now only worth $10,000. If you have a total loss, other insurers might just try to give you $10,000 and say that’s what your boat is worth. But a new boat will cost you $15,000+. So we’ll spend the full $15,000+. That’s a real $5,000 difference you get with us.
Small accident forgiveness
We have companies that won’t increase your premium because of a claim that costs Progressive $500 or less.
Large accident forgiveness
With certain carriers, if you’ve been with us for at least 4 years and have not filed a claim in the last 3 years, we won’t count an accident against you at your next renewal, regardless of what it costs.
Broader boating Coverage including the Bahamas
Most of our boat insurance companies automatically cover you on all lakes and rivers in the U.S. and Canada plus ocean waters within 75 miles of the coast. If you need even more coverage we have a Bahamas endorsement to cover you while you’re in the Bahamas!
Fuel spill coverage
Pays the cost of cleaning up a fuel spill, even if your boat sinks.
Wreckage removal coverage
If your boat sinks, we’ll cover the costs of removing your boat from the water (if removal is legally required).
We offer both Agreed Value or Actual cash value options
Agreed Value is the best protection for your boat, engine and gear. Pays you the most in the event of a claim — the agreed value when you buy the policy for total losses and parts are replaced “new for old.” Available for all boat types, excluding PWC. Actual Cash Value or (ACV) Coverage lowers your premium by paying you the current market price for your boat in the event of a total loss. Recommended for smaller boats, personal watercraft and boats without a lien holder
Accept more types of boats and sizes
We insure Center Consoles, Cabin Cruisers, Jet Boats, PWC, Bass Boats, Pontoons, Sailboats, Runabouts, Yachts and pretty much all other watercraft up to $3,000,000 in value and 150 feet long. If you have a unique situation, just give us a call, and we’ll do what we can to cover you.
Towing on the water
Our companies will pay for towing, fuel delivery, soft ungroundings and jump starts if your boat breaks down on the water. All you have to do is call our dispatch center (number included on your policy card). Some can even make arranges for the tow and pays the tow operator directly (in most cases).
Discounts we offer:
- Multi Policy discount
- Discounts for bundling with your Auto or Home with us
- Boat Safety Course
- Currently insured discount
- Advance purchase discount
- Good driving record discount
- Length of boating experience
- New Boat discount
- Automatic Fire Extinguishing discount
- No Prior Claims discount
- Owning a home discount
- Married discount
Count on [base_url] to connect you with the best Insurers for maximum savings and the best coverage options for your home .
Whether you’re buying a new home or just simply looking to save money on homeowners insurance, you can depend on us to help you find the best coverage at an affordable price. Our partners offer flexible payment options, and reliable customer service. We connect you with A rated insures to help protect your personal liability and belongings. Cut down on paperwork and hassle of having to make multiple calls or trips to an insurance agent to compare rates. With our simple online process we do all the work for you free of charge. You deserve peace of mind when it comes to your home. Grab a free homeowner’s insurance quote and speak with an agent today to get started. We embrace a convenient, smart approach to the insurance process, with innovative online technology and tools that make it easy to get a quote and manage your policy, and some of the most affordable homeowner’s insurance rates around. floridaboatinsurancequotes.com has been in the insurance industry for more than 25 years. We have verified partners who deal with “A+” rated companies, which means they’ll have your back if you need to file a claim.