Florida boat insurance
Boat insurance in Florida. Start your quote in about 60 seconds.
Florida boat insurance is a policy that pays to repair or replace your boat and covers injuries or damage you cause to others on the water. Most policies combine hull (physical damage) and liability, and Florida policies often include special terms for named storms. Tell Nymble Insurance about your boat in about 60 seconds and a licensed agent will shop it for you.
- Pontoons, bay and bass boats, cruisers, sailboats, jet skis and liveaboards
- Hull, liability, towing and trailer options explained in plain language
- One agency handles your quote. Your info isn't sold.
How do I get boat insurance in Florida?
1. Tell us about your boat
Type, size, value, motor and where it is kept. That is enough to start.
2. We shop it
A licensed agent reviews your boat and gathers any details by phone or email.
3. You choose
We explain limits, deductibles and storm terms before you decide.
What does Florida boat insurance usually cover?
- Hull / physical damage: repair or replacement of your boat, motor and equipment after covered losses.
- Liability: injuries and property damage you cause to others, including legal defense in covered claims.
- Medical payments: for passengers hurt aboard, where offered.
- Uninsured boater coverage, where available.
- Add-ons: on-water towing, trailer coverage, fuel spill and wreck removal, and personal effects.
Find the page for your boat
Pontoon boats
Seating, towing and dock-party liability questions.
Bass and bay boats
Outboards, trailers and shallow-water use.
Jet skis and PWC
Rules that differ from larger boats.
More guides
Sailboats
Rigging, racing and cruising questions.
Liveaboards
Living on the boat changes the policy.
Hurricane season
Storm terms to check before June.
Coverage depends on the policy, the insurance company and underwriting approval.
Florida boating, from the Keys to the Panhandle
Photographs show Florida waters and are for illustration only. They are not our customers or their boats.
Florida boat insurance questions, answered
Is boat insurance required in Florida?
Florida law does not require liability insurance for most recreational boats, but marinas, lenders and some waterways often do. Insurance is also the way you protect yourself from a costly claim. Check your marina or lender agreement.
What affects the cost of boat insurance?
Boat type, value, age, motor size, where it is kept, your boating experience and claims history, and the coverage and deductibles you choose. See our cost factors guide.
Does my homeowners policy cover my boat?
Homeowners policies usually limit or exclude boats and motors, particularly for liability on the water. Ask your agent to review both policies.
Can you insure a boat I just bought?
Often yes. Share the boat details and the closing date and an agent will explain what is available.
Who is Nymble Insurance?
Nymble Insurance LLC is a licensed Florida insurance agency (License L131669, NPN 21626709).