What affects the cost of boat insurance in Florida

Factors that commonly matter

• Boat type, age, length and value
• Engine size and top speed
• Where the boat is kept and navigation area
• Your boating experience and claims history
• Coverage choices, liability limits and deductibles

Ways to talk price with an agent

Ask how a higher deductible, a boating safety course or a different storage setup changes your options.

Coverage depends on the policy, the insurance company and underwriting approval.