Protect the Boat.
Protect the Days on It.

Usually only in a very limited way — small boats under a certain horsepower may get minimal coverage, but liability limits are typically low and physical damage often isn't covered at all. A dedicated boat policy closes that gap with coverage actually built for being on the water.

Agreed value pays the full amount you and the carrier agreed on if the boat is a total loss, with no depreciation deduction. Actual cash value factors in depreciation, so the payout is lower on an older boat. Agreed value costs a bit more but avoids surprises — we'll explain which makes sense for your boat's age.

Many policies include nearby international waters like the Bahamas, but navigational limits vary by carrier and policy. If you regularly cruise beyond Florida waters, tell us up front — we'll make sure the policy actually covers where you go.

Named-storm coverage is available, and many carriers require a hurricane haul-out plan for higher-value boats — essentially a plan for where the boat goes when a storm approaches. We'll help you understand what your carrier requires so a claim never gets denied on a technicality.

Not at all. Some carriers ask about boating experience or require a safety course for larger or faster boats, but there are good options for first-time owners at every experience level. We'll match you with a carrier that fits where you're starting from.