If you’re lucky enough to boat in the Florida Keys, you already know the joy of island hopping, reef fishing, and sunset cruising. But there’s one question we hear often from Keys residents and visitors alike:
“Do I need boat insurance in Florida?”
The short answer: Boat insurance is not legally required by the state of Florida for recreational vessels. But just because it’s not mandatory doesn’t mean you should go without it — especially in a place as unique (and storm-prone) as the Florida Keys.
Why Boat Insurance Is Highly Recommended in the Florida Keys
While Florida law doesn’t require boat insurance, there are situations where it is required:
- If you finance your boat — lenders usually require full coverage.
- If you dock at a marina — many marinas require proof of liability insurance.
- If you’re involved in an accident — you’ll want coverage for damage, injuries, or lawsuits.
And let’s not forget: hurricane exposure in the Keys is one of the highest in the country. A single storm can result in significant vessel damage or total loss. Without insurance, you could be on the hook for thousands out of pocket.
Boat Insurance Starts at Just $75/Year
At Barefoot Insurance Brokers, we work with top carriers including Progressive, Ahoy!, GEICO, and American Integrity, and can find policies starting at just $75/year for basic coverage. Whether you need liability-only protection or full hull and motor coverage, we’ll help you navigate your options.
The 5 Most Populated Coastal Areas in the Florida Keys (With Zip Codes)
We help boaters from Key Largo to Key West get covered quickly and affordably. If you live in or dock your boat near any of the following areas, we’ve got you covered:
1. Key West
- Zip Codes: 33040, 33041
- Known for sailboats, fishing charters, and day cruisers.
2. Key Largo
- Zip Codes: 33037
- Popular for center consoles and dive boats in Pennekamp Coral Reef State Park.
3. Marathon
- Zip Codes: 33050
- A boating hub with lots of marina traffic and offshore fishing vessels.
4. Islamorada
- Zip Codes: 33036
- The “Sportfishing Capital of the World,” where insurance is essential for high-value gear and vessels.
5. Big Pine Key
- Zip Codes: 33043
- Home to quiet backwaters, flats boats, and paddle craft—still worth insuring against theft or storm loss.
Protect Your Peace of Mind — Let Us Shop for You
Every vessel, every boater, and every budget is different. That’s why we shop across multiple marine insurance carriers to find you the best combination of price, coverage, and service. Whether you’re a weekend cruiser or a full-time liveaboard, we’ll get you the protection you need at a price you can afford.
📞 Call or Email Zack Epstein Today
Zack Epstein specializes in Florida boat insurance and knows the Florida Keys like the back of his hand.
📱 Call: 786-440-8242
📧 Email: zack@barefootins.com
Boat smarter — not riskier. Reach out today for your custom quote and get peace of mind on (and off) the water.