Boat Insurance in Florida | Coverage for Yachts, Cruisers, Cats, Sailboats, Houseboats & Jet Skis

Boat Insurance in Florida

Owning a boat in Florida is a lifestyle — but it also comes with responsibility. From navigating the Intracoastal to anchoring in Biscayne Bay or fishing off the Treasure Coast, every voyage carries risks: theft, storm damage, collisions, and liability to others.

At Barefoot Insurance Brokers, we understand Florida boaters because we live the same lifestyle. Our team helps protect vessels of all sizes with Boat and Yacht Insurance that covers you from dock to deep water — at affordable rates from top carriers like Progressive, GEICO, and other marine specialists.

Why Boat Insurance Matters in Florida

Florida leads the nation in boat ownership, but it also sees the highest number of boating accidents, hurricane claims, and theft losses each year. Even experienced boaters can face unexpected events such as:

  • Collisions with other vessels or docks
  • Storm surge, wind, and lightning damage
  • Theft of the boat or onboard equipment
  • Passenger injuries or property damage
  • Fuel spill or environmental liability

While some homeowners’ policies offer limited boat coverage, they typically exclude high-value vessels, personal watercraft, or offshore use. A dedicated boat policy ensures full protection wherever you navigate.

What Does Florida Boat Insurance Cover?

A comprehensive boat insurance policy through Barefoot Insurance Brokers can include:

Physical Damage Coverage

Covers your boat, motor, and attached equipment if damaged by collision, fire, theft, lightning, or storm. Can be written on an agreed value or actual cash value basis.

Liability Coverage

Protects you if you’re legally responsible for injury or property damage to others. Includes coverage for towing skiers, wakeboarders, or tubers.

Medical Payments

Pays for medical expenses if you or your passengers are injured in a boating accident.

Uninsured/Underinsured Boater

Covers your injuries or damages if another boater without insurance causes an accident.

Personal Property & Equipment

Protects fishing gear, electronics, safety equipment, and onboard personal items.

Towing & Assistance

Covers on-water towing, fuel delivery, or emergency assistance.

Pollution Liability

Covers costs related to accidental fuel spills or environmental cleanup.

Types of Boats We Insure

Barefoot Insurance Brokers provides coverage for nearly every type of vessel on Florida’s waterways:

  • Center consoles and fishing boats
  • Pontoon and deck boats
  • Sailboats and catamarans
  • Jet skis and personal watercraft (PWC)
  • Cabin cruisers and cuddy cabins
  • Yachts and luxury vessels
  • Airboats and shallow-draft boats
  • Charter and guide boats (commercial programs available)

We can write both personal and commercial marine policies — so whether you’re cruising for leisure or running a charter, we’ll find the right protection.

Coverage Options for Every Boating Lifestyle

Inland & Intracoastal Boaters

Perfect for those who enjoy lakes, rivers, and Florida’s Intracoastal Waterway. Policies can include salvage, wreck removal, and protection while your boat is trailered or stored at home.

Coastal & Offshore Boaters

For vessels that regularly venture into the Atlantic or Gulf of Mexico. Includes navigational limits extending beyond Florida’s shoreline and hurricane haul-out reimbursement.

Seasonal & Stored Boats

Coverage can be adjusted for boats kept in dry storage, lifts, or marinas during the off-season — ensuring protection even when the boat isn’t in use.

Barefoot Insurance Brokers can also help you meet marina insurance requirements, including liability limits, proof of insurance, and named additional insured endorsements.

Hurricane & Weather Protection in Florida

Hurricanes are a reality for Florida boaters, and your insurance policy should reflect that. Our carriers offer features such as:

  • Named Storm and Windstorm Coverage
  • Hurricane Haul-Out Reimbursement — helps pay to move your boat out of harm’s way before a storm
  • Emergency Removal & Salvage — covers the cost of removing a sunken or stranded vessel
  • Storage & Marina Damage Coverage — for boats damaged while docked or in dry stack

Barefoot Insurance Brokers can also bundle your boat and flood insurance for seamless protection against both wind and rising water.

Understanding Boat Policy Values

When choosing coverage, it’s important to understand how your claim will be settled:

  • Agreed Value Policy — You and the insurer agree on the boat’s value upfront. In the event of a total loss, you’re paid that full amount with no depreciation.
  • Actual Cash Value Policy — Pays the boat’s depreciated value at the time of loss, often resulting in lower premiums.

Our agents will help you compare both options and select the best value for your vessel, usage, and storage type.

Discounts for Florida Boaters

We help clients maximize savings through:

  • Multi-policy discounts for bundling home, auto, or umbrella coverage
  • Boating safety course credits
  • Multi-boat discounts
  • Responsible operator and claims-free savings
  • Protective device discounts for GPS tracking and alarms

Because we represent multiple marine insurance carriers, we’ll compare rates and coverage side-by-side to secure the best fit for your budget.

Why Choose Barefoot Insurance Brokers

Barefoot Insurance Brokers is a Florida-based independent agency serving boaters across the Treasure Coast, Space Coast, and South Florida. Our team understands both the joy and responsibility that come with owning a vessel — and we know the local marinas, insurers, and weather challenges firsthand.

We offer:

  • Access to Progressive, GEICO, and specialty marine markets
  • Fast certificates for marina and financing requirements
  • Flexible coverage for coastal, offshore, or trailered boats
  • Personalized service from local agents who know Florida boating
  • Options for umbrella and flood insurance to complement your marine policy

Whether your vessel is docked in Stuart, Cocoa, or Fort Lauderdale, we’ll help you navigate your coverage with confidence.

Get a Boat Insurance Quote Today

Enjoy the water knowing your investment and passengers are protected with a tailored Florida boat insurance policy.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your boat insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — protecting Florida’s boaters, one wave at a time.