From private leisure boats and family cruisers to fishing vessels, charter captains and commercial fleets — FloridaCover matches every Florida boater to their best-fit US marine insurer.
Get Your Quote
No obligation — we match you to your best-fit insurer within 24 hrs
No obligation · Takes 2 minutes
All Watercraft Welcome
Find Cover for Your Florida Vessel
From center consoles to cabin cruisers — comprehensive hull and liability cover.
Personal watercraft insurance for single and multi-unit operators.
Specialist cover for offshore and inshore fishing vessels of all sizes.
Perfect for lakes, bays and the Intracoastal — family-friendly cover.
Bluewater and coastal sailboat insurance with navigation extensions available.
Cruising and charter catamaran cover — specialist multi-hull underwriting.
High-value yacht insurance from Fort Lauderdale's top marine underwriters.
Liveaboard and houseboat coverage including contents and marina liability.
For Every Floridian on the Water
Fishing, Fun or Full-Time Business — We've Got You Covered
Recreational Fishers
Weekend trips, fishing charters, offshore runs
Weekend Boaters
Party boats, sunset cruises, family outings
Charter Captains
USCG-licensed operators, passenger liability
Commercial Operators
Water taxis, dive boats, day trip vessels
Liveaboards
Marina residents, cruising families
First-Time Owners
New boat buyers, new to Florida waters
Simple 3-Step Process
Your Best-Fit Insurer in 3 Steps
From your first question to your policy documents — we handle the matching so you can focus on boating.
Tell Us About Your Vessel
Complete our simple 2-minute form — vessel type, value, how you use it, and where you navigate in Florida.
Our Florida Advisors Find Your Match
Local marine specialists compare providers across our panel and identify the best-fit insurer for your specific situation.
Get on the Water with Confidence
Choose your policy, receive your documents, and get back to boating knowing you're covered from bow to stern.
Most boaters matched within 24 hours
Coverage
Comprehensive Florida Marine Coverage
Every policy we source is tailored to the specific risks of Florida waters — from the Keys to the Panhandle.
Hull & Physical Damage
Covers your vessel for collision, fire, sinking, and accidental damage.
Bodily Injury Liability
Protects you if someone is injured on or by your vessel.
Theft & Vandalism
Covers theft of the vessel and malicious damage at marina or anchor.
Towing & Assistance
Emergency towing, fuel delivery, and on-water assistance.
Hurricane & Storm Cover
Named windstorm cover — essential for every Florida boat owner.
Uninsured Boater
Protection when an at-fault boater has no insurance of their own.
Commercial Marine
Charter & Commercial Insurance
From USCG-licensed captains to commercial fishing operators and day-trip providers — FloridaCover matches commercial operators to specialist marine insurers.
We cover:
- Charter fishing boats
- Sunset cruise vessels
- Water taxis
- Dive charter boats
- Day trip operators
- Commercial fishing fleets
Learn
Florida Marine Insurance Resources
Expert guides from people who boat these waters every week
15 Jun 2026
How to Prepare Your Boat for Hurricane Season in Florida
Florida hurricane season runs June through November. A comprehensive guide to protecting your vessel from tropical storms.
Read more →
10 Jun 2026
Agreed Value vs Actual Cash Value: Which Policy is Right?
The valuation type in your marine policy determines how much you receive after a total loss. This difference could save you thousands.
Read more →
5 Jun 2026
What Insurance Does a USCG Charter Captain Need?
Running a charter boat in Florida requires specialist commercial marine coverage. Here's exactly what USCG-licensed captains need.
Read more →
1 Jun 2026
Florida Boating Laws Every Boat Owner Must Know
From registration requirements to BUI laws and no-wake zones — a complete guide to Florida's boating regulations.
Read more →
28 May 2026
Choosing the Right Marina in Florida: A Complete Guide
From Biscayne Bay to the Keys and Tampa Bay — how to pick the right marina for your vessel, lifestyle, and insurance.
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20 May 2026
Offshore Fishing Insurance in Florida: Protect Your Boat
Florida is the sport fishing capital of the world. Here's how to make sure your offshore fishing vessel is properly covered.
Read more →
12 May 2026
Boating in Miami: Biscayne Bay, the Keys & Beyond
Miami's waterways are world-class for boating. A guide to the best routes, anchorages, and what insurance you need on South Florida waters.
Read more →
5 May 2026
How Much Is Boat Insurance in Florida? (2026 Guide)
Florida boat insurance costs vary widely by vessel type, value, and usage. We break down typical premiums so you know what to expect.
Read more →
28 Apr 2026
How to File a Marine Insurance Claim in Florida
A step-by-step guide to filing a marine insurance claim in Florida — what to document, who to contact, and what to expect.
Read more →Common Questions
Quick answers from Florida's marine insurance specialists
Is boat insurance required in Florida?
What does marine insurance in Florida typically cover?
How much does boat insurance cost in Florida?
Does my homeowners insurance cover my boat in Florida?
What is "agreed value" boat insurance?
Does Florida marine insurance cover hurricanes?
Match Me to the Right Insurer
Tell us about your vessel — we'll match you to the best-fit Florida marine insurer within 24 hours.
Get a Quote →