Florida is home to more registered boats than any other state—and with good reason. Whether you’re cruising the Gulf, exploring the Keys, or enjoying the Intracoastal Waterway, owning a boat is part of the Florida lifestyle. But the question we hear most often from Florida boaters is: “How much is boat insurance in Florida?”
The Quick Answer: Boat Insurance in Florida Starts at Just $75/Year
At Barefoot Insurance Brokers, we represent Progressive, Ahoy!, GEICO, and American Integrity, which allows us to compare rates and coverages across multiple top-rated insurers. With Progressive, annual boat insurance policies in Florida start at just $75/year, depending on your boat type, location, and desired coverage.
Why Your Zip Code & Boat Type Matter
The cost of your policy can vary based on:
Boat type (fishing boat, pontoon, sailboat, powerboat, personal watercraft, etc.)
Your zip code and where the boat is stored or used
Coverage limits (liability-only vs. full coverage)
Boating experience & claims history
That’s why it’s important to speak with a marine insurance specialist who can shop around on your behalf.
5 Most Populated Coastal Regions in Florida (With Key Zip Codes)
If you’re in one of Florida’s most populated coastal areas, chances are we’ve helped your neighbors secure better marine coverage at the best price.
1. Miami-Dade County
Main Zip Codes: 33139 (Miami Beach), 33133 (Coconut Grove), 33160 (Aventura)
Popular for center consoles, yachts, and sportfishing boats.
2. Tampa Bay Area (Hillsborough & Pinellas Counties)
Main Zip Codes: 33602 (Tampa), 33701 (St. Petersburg), 34698 (Dunedin)
Great for bay boats, deck boats, and sailboats.
3. Fort Lauderdale / Broward County
Main Zip Codes: 33316 (Harbordale), 33004 (Dania Beach), 33062 (Pompano Beach)
Known as the “Yachting Capital of the World.”
4. Jacksonville / Duval County
Main Zip Codes: 32210, 32223, 32207
Popular for bass boats and cruisers in the St. Johns River and Atlantic coast.
5. Palm Beach County
Main Zip Codes: 33480 (Palm Beach), 33410 (Palm Beach Gardens), 33401 (West Palm Beach)
High demand for coverage on center consoles, luxury vessels, and jet skis.
We Shop Rates for You — So You Don’t Have To
Whether you’re storing your boat in Fort Lauderdale, sailing from St. Pete, or trailering to the Keys, Barefoot Insurance Brokers will compare quotes from multiple insurers to find the best protection at the lowest possible cost.
Our team understands that cost is a major concern — and we’re here to help you find coverage that fits your budget without cutting corners on protection.
📞 Call or Email Zack Epstein Today
Zack Epstein is your go-to Florida marine insurance agent and is ready to help you compare policies and get covered fast.
After nearly a decade of financial instability, Florida’s property insurance market is finally posting profits—for the first time in eight years. According to a recent article from PropertyCasualty360, insurers across the state have reported positive net income, reflecting improved underwriting discipline, rate adequacy, and fewer catastrophic losses in recent years.
One particularly eye-catching headline is the reported $21 million salary of Slide Insurance CEO Bruce Lucas in 2024, signaling renewed profitability and confidence among private insurers in Florida’s volatile property insurance landscape.
While increased profitability is a positive sign for the long-term health of the industry, many Florida homeowners and business owners are left wondering: Why aren’t my insurance premiums going down?
The answer lies in the larger economic context. Several factors are currently keeping property insurance costs elevated in 2025:
📦 Trade tariffs and global economic uncertainty are driving up the cost of building materials.
🧱 Labor shortages and inflation are impacting repair and replacement costs.
🔍 Insurers continue to account for litigation risk and reinsurance expenses, especially in coastal markets like Cocoa Beach, Satellite Beach, and Margate.
These pressures are keeping premiums from dropping—even as carriers improve their bottom lines.
What Can Florida Policyholders Do?
At Barefoot Insurance Brokers, we understand how confusing and frustrating the current insurance environment can be. That’s why our licensed agents work with clients across Brevard County, Broward County, and the Treasure Coast to help navigate:
📄 Property insurance policy sublimits and exclusions
🌊 The difference between water damage and flood coverage
📊 Premium comparisons across multiple carriers
🛠️ Coverage options that align with local construction and replacement costs
Whether you’re in Cocoa, Port St. John, Margate, Coral Springs, or Hutchinson Island, we’re here to help you make sense of your policy and identify opportunities to optimize your coverage and costs.
📞 Contact Us for a Personalized Policy Review
If you’re concerned about rising insurance premiums or want to better understand what your current policy covers, reach out to Craig Appleman at craig@barefootins.com. We’re happy to offer a no-obligation review of your Florida homeowners or property insurance policy.
In the state of Florida, Progressive Insurance generally follows standard auto insurance practices when it comes to temporary substitute vehicles and coverage transfers, but it’s important to review your specific policy for exact terms. Here’s a general breakdown of what is typically considered a temporary vehicle and how liability coverage may transfer:
✅ Definition of a Temporary Vehicle
A temporary substitute vehicle is usually defined as:
“A vehicle you do not own, which is used temporarily in place of your covered vehicle when your vehicle is out of normal use because of breakdown, repair, servicing, loss, or destruction.” For the sake of this post, lets consider that you rented a car from a major rental car agency like Enterprise, Avis or Thrifty, for example and fully paid out of pocket for the rental car.
📌 Requirements for Liability Coverage to Transfer
For Progressive to transfer liability coverage to a temporary vehicle in Florida, the following conditions usually must be met:
You must have an active auto policy with Progressive.
The temporary vehicle is:
Not owned by you or a resident of your household.
Being used as a replacement while your covered vehicle is disabled or unavailable.
The use must be temporary (short-term use).
The replacement must be similar in use to your insured vehicle (e.g., replacing a private passenger car with another private passenger car, not a commercial vehicle).
🚫 When Coverage May Not Transfer
If the temporary vehicle is rented or leased for an extended period.
If you’re using a friend’s or relative’s car not as a replacement, but just for convenience.
If the vehicle is used for business or commercial purposes, unless your policy includes such use.
🛑 Important Caveat:
Progressive (like other insurers) may differ slightly in their policy wording, especially for commercial policies or if you have endorsements added to your plan.
🔍 Best Practice:
To be 100% sure, it’s always best to:
Review your declarations page and policy wording under the section “Temporary Substitute Vehicle” or “Other Vehicles.”
Or, call Progressive Customer Service or your local Progressive insurance agent to confirm how your liability coverage would apply in a specific situation.
Are you seeking a local Progressive Insurance Agent? Look no farther than Barefoot Insurance Brokers in Margate, FL, servicing Progressive Insurance clients in Margate, Coral Springs, Tamarac, Coconut Creek and Parkland. Call us today at 954-368-0060 and dial x 1 for new quotes.
