# MyFloridaBoatInsurance.com > MyFloridaBoatInsurance.com is where Florida boat owners get boat insurance quotes from Nymble Insurance LLC, a licensed Florida agency. One short form, one agency, and plain-language explanations of hull, liability and storm provisions. - Operated by: Nymble Insurance LLC, licensed Florida insurance agency (license L131669, NPN 21626709) - Phone: (813) 291-3484 - Email: service@nymbleinsurance.com - Service area: Florida - Get started: https://myfloridaboatinsurance.com/#quote ## Key facts - Covers recreational boats, jet skis, sailboats and liveaboards kept in Florida. - Policies commonly combine hull (physical damage) and liability, with optional extras such as towing and trailer coverage. - Florida policies often carry specific rules for named storms; read them before hurricane season. - One licensed agency handles the quote; information is not sold. ## Pages - [Boat Insurance in Florida | Pontoon, Bay Boat, Sailboat & PWC Quotes](https://myfloridaboatinsurance.com/): 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. - [Florida Boat Insurance Explained | Hull, Liability, Deductibles](https://myfloridaboatinsurance.com/boat-insurance-florida/): Boat insurance in Florida protects you from two kinds of loss: damage to your boat, and claims against you. The details that matter most are how your boat is valued, your deductibles, and the exclusions. - [Pontoon Boat Insurance in Florida | Passenger Liability & Hull](https://myfloridaboatinsurance.com/pontoon/): Pontoon boat insurance covers your pontoon and its motor and covers liability if a guest is hurt or you damage someone else's property. Passenger count and how you use the boat matter. - [Bass Boat & Bay Boat Insurance in Florida | Outboard & Trailer](https://myfloridaboatinsurance.com/bass-and-bay-boats/): Bass and bay boats are usually trailered or kept on a lift, and outboard motors and electronics are a large share of the value. A good policy treats the motor, trailer and gear explicitly. - [Jet Ski & PWC Insurance in Florida | Personal Watercraft Quotes](https://myfloridaboatinsurance.com/jet-ski-pwc/): Jet ski and personal watercraft insurance covers the craft itself and the liability for riders and other people on the water. Many policies treat PWC differently from boats, so ask for a quote written for PWC. - [Sailboat Insurance in Florida | Cruising, Racing & Keelboats](https://myfloridaboatinsurance.com/sailboat/): Sailboat insurance covers the hull, rigging, sails and auxiliary engine, plus liability. Older boats commonly need a marine survey, and racing may need a separate endorsement. - [Liveaboard Boat Insurance in Florida | Living on a Boat](https://myfloridaboatinsurance.com/liveaboard/): If you live on your boat, a standard recreational boat policy may not fit. Liveaboard coverage is rated differently and is underwritten with your living arrangement in mind. - [Hurricane Season Boat Insurance in Florida | Haul-Out & Named Storm Terms](https://myfloridaboatinsurance.com/hurricane-haul-out-and-storm-coverage/): Many Florida boat policies include named storm provisions, such as a separate deductible, restrictions on where the boat is kept, or steps you must take when a storm is forecast. Read them before June, not after a storm is named. - [Boat Insurance Cost in Florida | What Affects Your Price](https://myfloridaboatinsurance.com/boat-insurance-cost-factors/): Boat insurance prices depend on the boat and on you. We do not publish average prices because quotes vary too much by risk; here is what moves the number. - [Florida Boat Insurance FAQ | Quick Answers](https://myfloridaboatinsurance.com/faq/): Short answers to the most common Florida boat insurance questions. For your specific boat, an agent can give you details. - [Photo credits | MyFloridaBoatInsurance.com](https://myfloridaboatinsurance.com/credits/): Credits and licenses for the photographs used on MyFloridaBoatInsurance.com. - [Privacy & Disclosures | MyFloridaBoatInsurance.com](https://myfloridaboatinsurance.com/privacy/): How we handle your information and our licensing disclosures. - [Florida Boat Insurance Blog | Guides for Boat Owners](https://myfloridaboatinsurance.com/blog/): Plain-language boat insurance guides for Florida owners: coverage, hurricane season, laws, theft, claims and saving money. Each guide is written by Nymble Insurance LLC, a licensed Florida agency, and explains terms in plain language without promising coverage or price. - [Is Boat Insurance Required in Florida? | Florida Boat Blog](https://myfloridaboatinsurance.com/blog/is-boat-insurance-required-in-florida/): What Florida law does and does not require for boat insurance, and why marinas, lenders and some waterways ask for it anyway. ## Frequently asked questions ### 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). ### What is the difference between hull and liability coverage? Hull coverage pays for damage to your boat. Liability coverage pays for harm you cause to other people or their property. ### Are rental or paid rides covered? Personal-use policies commonly exclude paid or rental use. Tell your agent if you ever charge for rides. ### Is my trailer covered automatically? Not always, and limits vary. Ask whether the trailer is included and for how much. ### Do I need insurance on a jet ski? Not by state law in most cases, but marinas, lenders and rental agreements may require it. ### Do I need a survey? Many insurers ask for one on older or higher-value boats. Your agent will tell you what applies. ### Can a liveaboard get hurricane coverage? Storm terms vary by policy and location. Review them closely and ask about haul-out and storm plan requirements. ### Does boat insurance cover hurricane damage? Often yes, subject to policy terms, but with conditions. Ask for the named storm terms in writing. ### Who writes these articles? Nymble Insurance LLC, a licensed Florida insurance agency (License L131669, NPN 21626709). The articles are general information, not legal advice or a description of any specific policy. ### Can I get a quote after reading? Yes. Use the quote form or call (813) 291-3484. A licensed agent will review your details; approval and price depend on underwriting.