Boat Insurance for Florida & Georgia Waters

Whether you're fishing off the Florida coast or cruising Georgia's lakes and rivers, we help boat owners get coverage that fits their vessel, their lifestyle, and the risks of local waterways.

What’s Typically Covered

A standard boat insurance policy can help cover:



  • Physical damage to your boat from collisions, storms, fire, theft, or vandalism
  • Liability if you cause injury or damage another boat, dock, or property
  • Medical payments for you or your passengers after a covered accident
  • Trailer and transport coverage
  • Emergency services such as towing or fuel delivery on the water

Add-Ons & Custom Coverage Options

A black check mark in a circle on a white background.

Agreed Value Coverage

Helps avoid depreciation when settling a total loss

A black check mark in a circle on a white background.

Personal Effects Coverage

For gear, rods, electronics & equipment onboard

A black check mark in a circle on a white background.

Hurricane Haul-Out

Helps cover the cost of moving or storing your boat in advance of a storm

A black check mark in a circle on a white background.

Fuel Spill Liability

Required in many marinas, covers environmental damage


We'll tailor your policy based on boat type, usage, and storage location - from marinas to backyard docks.

Florida & Georgia Boaters We Help

We insure a wide range of vessels in:


  • Boynton Beach, FL
  • Boca Raton, FL
  • Fort Lauderdale, FL
  • Delray Beach, FL
  • West Palm Beach, FL
  • Savannah, GA
  • Brunswick, GA
  • St. Simons Island, GA
  • Augusta, GA
  • Inland lakes throughout Georgia and Florida

Whether you're on the ocean, intracoastal, or freshwater, we'll help you stay covered from launch to dock.

Common Questions About Boat Insurance

  • Is boat insurance required?

    In Florida and Georgia, it's not legally required for private use - but many marinas and lenders do require it. We always recommend it for protection and peace of mind.

  • Does homeowners insurance cover my boat?

    Most homeowners policies have limited or no coverage for boats. Even if they do, it's typically only small vessels or while on your property - not on the water.

  • What types of boats can you insure?

    We cover pontoons, center consoles, fishing boats, cruisers, personal watercraft (like Jet Skis), and more.

  • What if I only use my boat a few months each year?

    We can help find a seasonal-use policy or adjust your coverage during off months if appropriate.

  • Can I bundle boat insurance with home or auto?

    Yes. Bundling usually provides a discount - and it simplifies your billing and coverage.

Why People Choose Us for Boat Insurance

Flexible Plans for Every Type of Vessel

From Jet Skis to cabin cruisers, we'll help you build a policy that fits your boat and how you use it.

Coastal & Inland Experience

We understand hurricane risks, storage options, marina requirements, and the rules of boating in Florida and Georgia.

Personal Help from Agents Who Care

We'll walk you through your quote, explain what coverage actually means, and stick with you when it's time to file a claim.

Let's Get You Ready for the Water

Whether you boat on weekends or year-round, we're here to help you get coverage that keeps you confident at the helm.

Let's start your quote today.