About FloridaCover

We Boat These Waters Every Week

FloridaCover was founded by Miami residents who have been boating the waters of South Florida for over 30 years. Biscayne Bay, the Florida Keys, across to Bimini and the Bahamas — these aren't just marketing words to us. They're the routes we run on weekends, the anchorages we know by heart, and the waters we've learned to respect.

Over those three decades we've owned powerboats, fishing boats, sailboats and catamarans. We've weathered hurricane seasons, navigated the regulations around Florida's protected marine areas, and — yes — we've had to make insurance claims. We know what it feels like to call your insurer after an incident on the water, and we know the difference between a policy that actually covers Florida conditions and one that leaves you exposed.

That experience is why we built FloridaCover. We found that most marine insurance comparison services were generic — built for someone who boats a few times a year, not for Floridians who are on the water every chance they get. We wanted something built specifically for our community: local boaters who understand the risks of Florida waters and just want to find the best coverage without wading through insurance jargon.

FloridaCover connects you directly with licensed US marine insurance advisors who understand Florida. We compare options across our provider panel and make sure you're talking to someone who knows the difference between Hawk Channel and Florida Bay, understands the Keys' specific reef grounding risks, and can advise on offshore navigation endorsements for your next Bimini run.