Florida’s warm weather and access to endless waterways make boat ownership incredibly popular—but many homeowners are shocked to learn that their home insurance doesn’t fully cover their watercraft. So, if you’re storing your boat at home or taking it out on the water this season, don’t assume you’re protected just because you have homeowners insurance.
Limited Coverage, Major Gaps
While some homeowners insurance policies may offer minimal coverage for small boats (like canoes or small fishing vessels), that protection often caps out at $1,000–$2,000 and usually does not cover liability, damage in transit, or accidents on the water.
That means if your boat is damaged during a storm, stolen from your driveway, or causes injury while in use, your homeowners policy likely won’t pay out. To be truly protected, a separate marine insurance policy is essential.
Annual Boat Insurance Starts at Just $75
At Barefoot Insurance Brokers, we work with top-rated marine insurers—including Progressive, where annual boat policies start at just $75. Whether you own a personal watercraft, fishing boat, center console, or jet ski, we can shop your policy across multiple carriers to ensure you’re getting the best price and the right protection.
Live in a High-Value Florida Zip Code? You’re at Higher Risk.
Living in a premium coastal location means your property—and your boat—could be at greater risk of theft, hurricane damage, or liability exposure. Here are five of the most expensive places to live in Florida with their main ZIP codes:
- Palm Beach – 33480
- Pinecrest – 33156
- Key Biscayne – 33149
- Surfside – 33154
- Coral Gables – 33146
Residents in these areas especially benefit from proper marine insurance coverage tailored to their location and lifestyle.
Get Peace of Mind—Call Zack Epstein Today
Don’t leave your boat uninsured or underinsured. Contact Zack Epstein at Barefoot Insurance Brokers for a fast, affordable boat insurance quote today. Call or text him at 754-229-9116 or email zack@barefootins.com.
We shop with multiple boat insurers to find you the best rate and protection—so you can get back to enjoying Florida’s waters, worry-free.