When shopping for boat insurance in Florida, many consumers ask the same question: “What’s the best boat insurance company in Florida?”
You’ll hear big names like Progressive, Travelers, GEICO, and more. But the truth is—the best boat insurance company is the one that fits your specific needs. And that’s exactly what Barefoot Insurance Brokers helps you find.
Why Choose an Independent Insurance Agent?
Instead of being locked into just one company’s options, an independent agent like Zack Epstein at Barefoot Insurance Brokers compares quotes from multiple top-rated marine insurers—including:
Progressive
Travelers
GEICO Marine
Foremost
National General
…and more.
This means you get the right coverage for your boat, whether it’s a center console, pontoon, personal watercraft, or jet ski—and always at the best possible rate.
Annual Boat Insurance Policies Start at Just $75
Even if you’re just using your boat seasonally or storing it at home, it still needs protection. Boat insurance policies start at just $75 per year and can protect you from theft, storm damage, accidents, and liability.
We make it easy and affordable to insure your watercraft the right way.
10 Cities in Broward County, FL That We Proudly Serve
If you’re searching for a “local insurance agent near me” in Broward County—Zack Epstein is your go-to marine insurance expert. Here are 10 cities in Broward County where boat owners trust Barefoot Insurance Brokers:
City
Main ZIP Code
Fort Lauderdale
33301
Hollywood
33020
Pompano Beach
33062
Coral Springs
33065
Pembroke Pines
33024
Miramar
33023
Sunrise
33322
Plantation
33324
Deerfield Beach
33441
Margate
33063
Lowest priced zip codes for personal watercraft insurance in Broward County
From Intracoastal cruisers to Everglades anglers, every Florida boater deserves tailored protection.
Call or Text Zack Epstein Today
Looking for personalized advice from someone who actually understands Florida boating and insurance? Reach out to Zack Epstein, your local licensed agent at Barefoot Insurance Brokers.
Attention all Florida drivers with suspended licenses! We know how frustrating it can be when life gets in the way and your auto insurance lapses, leading to a suspension of your driving privileges by the FLHSMV. But fear not, because Barefoot Insurance Brokers is here to help you get back behind the wheel safely and legally.
As an independent insurance brokerage, Barefoot Insurance Brokers understands the unique challenges you may face when seeking auto insurance after a lapse. Our team of experienced brokers specializes in finding the right coverage for every driver, regardless of their past insurance history.
When you choose Barefoot Insurance Brokers, you’re not just getting insurance – you’re getting personalized service tailored to your specific needs. We’ll work with you to find affordable rates and flexible coverage options that meet Florida’s legal requirements and get you back on the road with confidence.
Don’t let a suspended license hold you back any longer. Contact Barefoot Insurance Brokers today and let us help you navigate the process of reinstating your driver’s license with the right auto insurance coverage. With Barefoot Insurance Brokers, the road to recovery starts here
Why choose Barefoot Insurance Brokers?
As a full‐service independent agency located right here in Florida, we specialise in helping drivers whose licences have been suspended due to insurance issues. We can shop multiple carriers including Progressive, Mercury Insurance, Kemper, Bristol West, GEICO, National General, The General, Dairyland, Responsive and more, find the best fit for your budget, and handle the filing/reporting so you can focus on driving again.
📞 Call Alexandra Horblitt at 786-440-8242 today to discuss affordable insurance solutions to regain your freedom and driving privilege.
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.
We’re Entering Peak Hurricane Season: Why Florida & Georgia Homeowners Should Quote Flood Insurance Now
Even if August felt “quiet,” hurricane season is only now reaching its busiest stretch. Historically, the Atlantic peaks around September 10, with the most activity from mid-August through mid-October. (NOAA)
This year’s outlook reinforces the point: NOAA’s August update continues to call for an above-normal season with 13–18 named storms, 5–9 hurricanes, and 2–5 major hurricanes. (NOAA, Climate Prediction Center) In August alone we saw Dexter, Erin, and Fernand—systems that mostly stayed offshore but underline how quickly conditions can ramp up as we enter the seasonal peak. (Yale Climate Connections, New York Post, AccuWeather)
And the National Hurricane Center continues to monitor new disturbances in the tropical Atlantic as warm sea-surface temperatures fuel development—recent outlooks showed medium-to-high formation odds within a week. (National Hurricane Center, FOX 13 Tampa Bay, Miami Herald)
Why Consider Private Flood Insurance Today?
Whether you live on the coast or well inland in places like Fort Lauderdale, Miami, Port St. John/Cocoa, Jacksonville, Savannah, or the Atlanta suburbs, flood risk is spreading with heavier rain events and rapid-onset flooding. Standard homeowners policies do not cover flood.
Barefoot Insurance Brokers represents 23+ flood insurance carriers across multiple states—including Florida and Georgia—so we can shop options quickly and match coverage to your property and budget.
Neptune Flood Advantage: Shorter Waiting Periods
A key reason to act now: Neptune Flood (one of our private-market partners) generally has a 10-day waiting period, with no wait if you’re purchasing for a real estate closing or rolling over an existing flood policy. The NFIP typically requires 30 days. That difference can mean everything if a storm forms next week. (Neptune Flood)
Who Needs Flood Insurance?
Homes in Special Flood Hazard Areas (AE, VE): Your lender may require coverage, but you still choose which policy.
“X-zone” & inland properties: A “low-to-moderate” map label doesn’t mean “no risk.” Many claims come from outside high-risk zones.
Condominium & townhome owners: An HOA master policy (if any) may not fully protect the interior of your unit or personal property.
Landlords & investors: Protect rental income and unit interiors; some private policies include optional enhancements.
What Can Private Flood Insurance Cover?
While details vary by carrier, private flood options commonly include:
Dwelling/Building coverage (often with higher limits than NFIP)
Contents coverage (replacement cost options may be available)
Additional living expenses (when a covered loss makes your home uninhabitable)
Loss of rent for investment properties (where available)
Flexible deductibles to tailor price vs. protection
Because coverage terms vary by insurer, we’ll compare forms from multiple carriers (including NFIP) to find the right fit for your property and risk tolerance.
Timing Matters: Don’t Wait for the Cone
Recent systems—Dexter, Erin, and Fernand—developed and intensified over open water with shifting tracks. That’s typical this time of year; storms can spin up and turn quickly, and policy waiting periods still apply once a disturbance is on the map. Secure coverage before there’s a named threat near Florida or Georgia. (Yale Climate Connections, New York Post, AccuWeather)
Quick FAQs
Is flood insurance required? Lenders often require it in high-risk zones, but many owners choose coverage voluntarily due to growing inland and urban flood risks.
How long is the waiting period?
Neptune Flood: typically 10 days; 0 days for closings or policy rollovers. (Neptune Flood)
Why is everyone saying the season was ‘quiet’? A slower early season is normal. The long-term climatology shows activity peaks now, around September 10. (NOAA)
What’s the current forecast? NOAA’s August 7, 2025 update still expects 13–18 named storms, 5–9 hurricanes, and 2–5 major hurricanes this season. (NOAA, Climate Prediction Center)
Get a Flood Quote in Minutes
Barefoot Insurance Brokers can quote private flood (including Neptune Flood) and NFIP side-by-side for homes and condos across Florida and Georgia. With 23+ flood carriers, we’ll help you compare coverage, waiting periods, deductibles, and pricing—so you’re protected before the next advisory.
Service area: Florida & Georgia (and additional states via our carrier network)
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Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Colorado, Indiana, Ohio, and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
FR-44 Insurance Made Simple with Barefoot Insurance Brokers
If you’ve been convicted of DUI in Florida and need an FR-44 filing to reinstate your driver license, Barefoot Insurance Brokers can help—quickly and affordably. We shop a broad network of Florida carriers that file FR-44s so you get a competitive price without the hassle. Based in Broward & Brevard, we serve drivers in Coral Springs, Parkland, Coconut Creek, and Margate every day.
What is an FR-44?
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability limits after certain alcohol-related convictions (like DUI). In Florida, FR-44 policies must carry at least $100,000 / $300,000 for bodily injury liability and $50,000 for property damage (or a $350,000 combined single limit) and must be maintained for 3 years after license reinstatement.
SR-22 vs. FR-44: Both are proof-of-insurance filings, but an FR-44 requires higher liability limits than an SR-22 because it’s tied to DUI convictions. In some states, an alcohol related conviction is handled through an SR22 but Florida requires the heightened FR44 insurance requirement.
Who needs an FR44 Insurance Filing in Coral Springs, Parkland, Coconut Creek & Margate?
If a Broward County court record shows a DUI conviction and your license is suspended, you’ll need an FR-44 on an active Florida auto policy (or a qualifying non-owner policy if you don’t own a car) before FLHSMV will reinstate your driving privilege. This needs to be maintained for 3 continuous years to satisfy the requirement.
What affects your FR-44 price?
Driving record & violation history
Vehicle type and garaging ZIP (e.g., 33065, 33071, 33076, 33063, 33066, 33068)
Coverage selections & deductibles
Prior insurance and any lapses
Because rates vary widely between companies, shopping multiple FR-44 carriers is the #1 way to save. That’s where we come in. We work with Bristol West, Kemper, Progressive, National General, GEICO and Dairyland — all of the most competitive insurance providers of the FR44 filing in Florida.
Why Barefoot Insurance Brokers
We shop the market: We compare rates across many Florida carriers that file FR-44s to target the most competitive price for your situation.
Fast filing: We coordinate the FR-44 electronic filing to help you move from quote → bind → filing with minimal downtime. (Processing times vary by carrier.)
Owner & non-owner FR-44 options: Whether you own a vehicle or just need to satisfy the requirement to drive, we’ll guide you to the right policy type.
Local guidance: Clear, judgment-free help from a Florida independent agency that knows Broward and the surrounding areas.
What you’ll need to get started
Driver license number and DUI details (conviction/reinstatement dates)
Vehicle information (if you own one)
Address in Coral Springs, Parkland, Coconut Creek, Margate or elsewhere in FL
Prior insurance info (if any)
FAQs
How long do I need to keep the FR-44? Three years from the date you reinstate your privilege. If you cancel or lapse during that period, your license can be suspended again.
What limits are required? At least 100/300/50 or a $350,000 combined single limit, per FLHSMV. Choosing higher limits can better protect your assets.
Is a non-owner FR-44 available? Yes—if you don’t own a car, a non-owner liability policy can often satisfy the filing requirement. (Availability/eligibility vary by carrier; we’ll advise case-by-case.)
Ready to file your FR-44 in Broward?
Call Barefoot Insurance Brokers at 954-368-0060 or start at barefootins.com. We’ll compare the market for you and file the FR-44 fast—so you can focus on moving forward.
Sources: Key FR-44 requirements from FLHSMV (liability limits and 3-year maintenance) flhsmv.gov
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)
