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.
Running a business in Boca Raton, FL, comes with unique opportunities and challenges, especially when it comes to protecting your commercial vehicles. At Barefoot Insurance Brokers, we’re thrilled to announce a recent update from one of our top insurance carriers that allows businesses like disinfecting and pest control services, repair services, and entertainers and musicians to qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL). This applies to both new and existing policies, as long as your business has fewer than three at-fault accidents.
What This Means for Boca Raton Businesses
Our carrier partners, including Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial, have expanded eligibility for higher BI/PD limits for the following business classes:
Septic Waste Removal
Furniture & Home Furnishing Stores
Dry Cleaning, Laundry & Carpet Cleaners
Disinfecting & Pest Control Services
Janitorial & Building Maintenance Services
Equipment Rental & Leasing
Repair Services
Social & Health Services
Entertainers & Musicians
This update is a game-changer for Boca Raton businesses, offering enhanced protection for your commercial vehicles. Whether you’re a pest control company servicing clients across Palm Beach County or an entertainer traveling to gigs, higher BI/PD limits can safeguard your business from unexpected liabilities.
Why Choose Barefoot Insurance Brokers?
Based in Margate, FL, Barefoot Insurance Brokers is an independent insurance brokerage serving businesses throughout Palm Beach County and beyond. We specialize in commercial auto insurance, working with multiple carriers to find you the best coverage at the most competitive rates. Unlike single-carrier agents, we shop policies to match your specific needs, whether you’re in Boca Raton, Delray Beach, or Boynton Beach. For example:
Pest Control Services: Protect your service vans from liability claims during busy routes.
Repair Services: Cover your work trucks against accidents or property damage.
Entertainers & Musicians: Ensure your vehicles and equipment are insured for gigs across South Florida.
Why Higher BI/PD Limits Are Essential
In today’s litigious environment, accidents can lead to costly lawsuits or property damage claims. Higher BI/PD limits (over $500,000 CSL) provide greater financial security, ensuring your Boca Raton business is protected against unexpected expenses. With Barefoot Insurance Brokers, you can customize your policy to fit your budget while meeting Florida’s commercial auto insurance requirements.
Contact Us for a Free Quote
Don’t wait to upgrade your commercial auto insurance. If you’re a business owner in Boca Raton, Palm Beach County, contact Barefoot Insurance Brokers today at [insert contact info] or visit our website for a free quote. Let us shop top carriers like Progressive, GEICO, and Kemper Commercial to find the best coverage for your business.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
Running a lawncare business in Tamarac, FL, with at least one truck and trailer? Protect your vehicles with commercial auto insurance from Barefoot Insurance Brokers. One of our top carriers has updated its criteria, allowing lawncare providers to qualify for BI/PD limits exceeding $500,000 Combined Single Limit (CSL) if your policy has fewer than three at-fault accidents.
Why Insurance Matters for Tamarac Lawncare Providers
From hauling mowers to navigating Tamarac’s busy streets, your truck and trailer are critical to your lawncare business. An accident or liability claim could lead to costly repairs or lawsuits. Our partners—Progressive, Ascendant Insurance, National General, GEICO, Bristol West, and Kemper Commercial—offer customized truck insurance to keep your business running smoothly.
Why Choose Barefoot Insurance Brokers?
As an independent insurance brokerage in Margate, FL, we serve lawncare providers across Broward County, including Tamarac. We shop multiple carriers to find you affordable commercial auto insurance with high CSL limits, tailored to your truck and trailer needs.
Advantages of Higher BI/PD Limits
With BI/PD limits over $500,000 CSL, you’ll benefit from:
Coverage for trailer-related property damage or accidents.
Protection against liability claims from job-site incidents.
Financial security for your Tamarac lawncare business.
Start with a Free Quote
Ready to secure high-limit truck insurance for your lawncare business in Tamarac, FL? Contact Barefoot Insurance Brokers at 954-368-0060 for a free commercial insurance quote. Let us shop the best rates for your Broward County business.
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@northbrowardinsurance.com or call/text 954-866-5723.
What Every Florida Boater Needs to Know Before the Next Storm
As hurricane season rolls into Florida, one of the top questions we hear at Barefoot Insurance Brokers is: “Can I insure my boat for hurricane damage?” The short answer? Yes—but timing is everything.
Boat insurance in Florida can include hurricane and named-storm coverage, but most carriers place binding restrictions once a storm is approaching. That means once a system is named or enters the forecast cone, it’s too late to get or change your coverage.
🌪️ What Does Hurricane Coverage Include?
When you add hurricane coverage to your Florida boat policy, you may be protected from:
Wind and wave damage caused by named tropical storms or hurricanes
Damage from storm surge or flooding (depending on policy type)
Cost to salvage or remove your boat after a storm
Emergency haul-out or storage reimbursement to protect your vessel before landfall
Policies differ by insurer, but we work with top marine carriers like Progressive, Ahoy!, GEICO, and American Integrity to find options that best suit your location, boat type, and storage method.
⚠️ Don’t Wait for a Storm to Get Coverage
Insurance companies shut down new policies or coverage changes when a storm is near. That means if you wait until a storm is already on the radar—you’re out of luck.
At Barefoot Insurance Brokers, we strongly recommend Florida boaters lock in coverage well before June 1st or at least early in the season. We’ll help you understand named-storm exclusions and how to protect your investment year-round.
🌴 Serving Coastal Brevard County Boaters
We proudly serve Florida’s boating community in Brevard County, including these five most populated coastal regions:
City
ZIP Codes
Palm Bay
32905, 32907, 32909
Melbourne
32901, 32935, 32940
Cocoa Beach
32931
Titusville
32780, 32796
Satellite Beach
32937
Lowest priced zip codes for boat insurance in Brevard County, Florida
From riverfront docks to Atlantic marina slips, we help Space Coast boaters secure peace of mind with the right coverage at the right price.
💰 Affordable Boat Insurance Starting at Just $75/Year
Through Progressive, some annual marine insurance policies start at just $75! Rates depend on:
Boat size, age, and type
Storage location (marina, trailer, lift, or dry dock)
Are you a florist, garden center, or plant shop owner in Florida? Whether you’re arranging orchids in Vero Beach (32960) or growing your gift shop in Lakeland (33801), your retail operation deserves the right protection to thrive.
At Barefoot Insurance Brokers, we specialize in helping small businesses like yours secure tailored coverage through the Progressive Business Owners Policy (BOP)—a flexible, all-in-one insurance package built for retail and service-based businesses across the Sunshine State.
🌿 Why Florida Florists Need a Business Owners Policy (BOP)
As a florist or plant retailer, your shop is more than just a storefront—it’s where creativity meets commerce. With perishable inventory, fragile equipment, and daily foot traffic, one unexpected incident could disrupt your operations. That’s where a Progressive BOP comes in.
✅ Included in a Progressive BOP for Florists:
Business Property Coverage (for your flowers, displays, fridges, and decor)
General Liability Protection (if a customer slips or property is damaged)
Business Interruption Insurance (replaces lost income if you must close due to a covered loss)
Equipment Breakdown (including refrigeration or HVAC systems)
With Progressive’s strong appetite for retail and gift shop classes, florists and plant shop owners are a perfect match—especially if you don’t manufacture or import your products, and your business operates under 4 locations and $5M in total insured value.
🌴 Tailored Coverage for Florida ZIPs
We proudly serve retail florists and garden businesses throughout:
Lakeland (33801)
Vero Beach (32960)
Tampa (33614)
Naples (34102)
Port St. Lucie (34953) …and all across Florida’s coast and central communities.
Looking for florist insurance near me or business insurance for plant shops in Florida? You’ve found your go-to agency.
💐 Bundle Peace of Mind with Your Petals
Whether you’re a seasoned florist with an established clientele or a new plant shop opening in a Florida neighborhood, Barefoot Insurance Brokers can help you quote fast, save with multi-policy discounts, and protect your business from common risks.
You can even bundle your Progressive BOP with Commercial Auto or a Personal Auto policy to unlock extra savings!
Florida boaters face more than just sunshine and salty air. From hurricane season to theft risks and boating injuries, the right boat insurance policy isn’t just smart—it’s essential.
At Barefoot Insurance Brokers, we work with leading carriers like Progressive, GEICO, Ahoy!, and American Integrity to help you find the best coverage at the best price. If you’re searching for boat insurance in Broward County, read on to learn what your policy should cover—and why it matters.
🛥️ So, What Does Florida Boat Insurance Actually Cover?
Here’s what most standard Florida boat insurance policies include:
✅ 1. Liability Coverage
Covers bodily injury or property damage to others if you’re at fault in a boating accident. Required by many marinas and highly recommended in high-traffic areas.
✅ 2. Physical Damage
Pays for repairs or replacement of your boat due to collisions, sinking, fire, vandalism, or theft. Can apply to the hull, motor, electronics, and more.
✅ 3. Theft & Vandalism
Florida has one of the highest boat theft rates in the country. Your policy can cover stolen boats, trailers, or onboard items, depending on the carrier.
✅ 4. Hurricane & Storm Damage
Yes—hurricane coverage is available through many of our insurers, but you need to act early in the season before storm restrictions apply.
✅ 5. Medical Payments & Guest Liability
Helps cover medical expenses if you or your passengers are injured while on the water.
✅ 6. Fuel Spill & Wreckage Removal
Covers cleanup costs if your boat leaks fuel or sinks—something not always included by default.
🌴 Serving Coastal Broward County Boaters
We’re proud to insure boat owners in the five most populated coastal areas of Broward County, including:
City
ZIP Codes
Fort Lauderdale
33301, 33304, 33305, 33308
Hollywood
33019, 33020, 33021
Pompano Beach
33060, 33062, 33064
Deerfield Beach
33441, 33442
Dania Beach
33004, 33312
South Florida Zip Codes with Affordable Pricing
Whether you’re docked at home, in a marina, or trailering your boat to the Keys, we’ll help make sure you’re covered from bow to stern.
💰 Rates Start at Just $75 Per Year
Yes, you read that right—boat insurance through Progressive starts at just $75 annually for eligible vessels. Premiums vary based on your boat’s value, age, use, and ZIP code, but we shop multiple carriers to make sure you’re getting the best deal.
📞 Ready for a Quote?
Let Zack Epstein at Barefoot Insurance Brokers help you compare quotes and find the perfect marine policy for your boat, lifestyle, and budget.
