Marine Insurance for
Every Florida Vessel
From center consoles on Biscayne Bay to superyachts in Fort Lauderdale — find specialist coverage tailored to your vessel and Florida's unique waters.
Get a Quote →Choose Your Vessel Type
Specialist coverage matched to how you boat
Powerboat
Insurance
Speed and versatility on Florida waters
Sailboat
Insurance
Harnessing Florida's steady trade winds
Jet Ski / PWC
Insurance
High-speed thrills on Florida's waterways
Pontoon Boat
Insurance
Florida's favorite family watercraft
Fishing Boat
Insurance
Protecting your offshore and inshore fishing investment
Catamaran
Insurance
Stable, spacious sailing on Florida's blue waters
Houseboat
Insurance
Your floating home on Florida's waterways
Luxury Yacht
Insurance
Premium protection for Florida's finest vessels
One Size Does Not Fit All on Florida's Waters
A superyacht in Fort Lauderdale marina has entirely different risks to a jet ski launching from Haulover. A liveaboard catamaran needs continuous coverage; an offshore fishing boat heading to the Gulf Stream needs bluewater endorsements. Generic marine policies routinely fail vessel owners at claim time — because the policy wasn't built for their vessel.
FloridaCover connects you with licensed US marine advisors who understand your specific vessel type, Florida's unique hazards — hurricane season, reef navigation, no-wake zones — and the insurers whose policy wordings actually match how you use your boat.
Get a Quote for Your Vessel →Hurricane Season Coverage
June–November, every year. Your policy needs to address haul-out, named-storm exclusions, and storm mooring requirements — not all policies do.
Agreed Value vs Actual Cash Value
Agreed value pays your insured amount if the vessel is a total loss. ACV depreciates it. For most Florida vessels, agreed value is essential.
Navigation Territory
Heading to Bimini, the Bahamas, or the Caribbean? Many basic policies restrict you to inland or coastal US waters. We ensure your endorsement matches your routes.
Florida-Specific Liability
Manatee strikes, reef grounding, fuel spill liability — Florida has unique exposures. Your liability coverage must reflect the state you boat in.
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 →