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Lake City, FL1-800-252-6885
Greene & Associates Insurance
Boat at Florida marina at sunset

Watercraft Insurance

Whether you own a bass boat, pontoon, jet ski, or sailboat, we can find the right watercraft coverage. Protect against damage, theft, liability, and towing — on and off the water.

Get a Free Watercraft Quote 1-800-252-6885

Florida Boat & Watercraft Insurance at a Glance

  • Covers your boat, jet ski, or watercraft for physical damage, liability, and medical payments
  • Florida law requires boaters born after January 1, 1988 to complete a boater safety course
  • Agreed value policies pay the full insured amount in a total loss — no depreciation
  • Covers on-water and trailering accidents, theft, storms, and fuel spill liability

What Does Watercraft Insurance Cover?

Comprehensive protection for your boat, your passengers, and your financial security on the water.

Hull Coverage

Covers physical damage to your boat from collisions, storms, theft, vandalism, fire, and sinking. Pays to repair or replace your watercraft.

Liability Protection

Covers bodily injury and property damage you cause to others while operating your watercraft. Essential for protecting your personal assets.

Medical Payments

Covers medical expenses for you and your passengers if injured in a boating accident — regardless of who's at fault.

Towing & Assistance

Covers on-water towing, fuel delivery, battery jumps, and other emergency assistance when you're stranded on the water.

Trailer Coverage

Protects your boat trailer from damage during transport and storage. Often included or available as an add-on.

Uninsured Boater Coverage

Protects you if you're hit by another boater who doesn't carry insurance — similar to uninsured motorist coverage for autos.

Watercraft We Insure

We cover all types of recreational watercraft for Florida boaters.

Bass boats and fishing boats
Pontoon boats
Jet skis and personal watercraft (PWC)
Sailboats
Deck boats and bowriders
Center console boats
Kayaks and canoes (for higher-value models)
Houseboats

Frequently Asked Questions

Your homeowners policy may provide very limited coverage for small watercraft (typically under 25 HP or under a certain value), but it won't provide adequate protection for most boats, jet skis, or PWCs. A dedicated watercraft policy is the right way to protect your investment.
Florida does not require boat insurance by law, but your marina or lender may require it. Even if it's not required, it's strongly recommended — a single boating accident can result in hundreds of thousands in liability claims.
Key factors include the type and value of your watercraft, horsepower, where you operate (inland lakes vs. ocean), your boating experience, storage location, and whether you carry safety equipment. Completing a boating safety course can also reduce your premium.
Yes — most watercraft policies cover storm and hurricane damage, including wind, hail, and lightning. However, you may have a separate hurricane or named-storm deductible. We'll help you understand your policy so there are no surprises.

Related Coverage

Home Insurance
Umbrella Insurance
Flood Insurance
Bundle & Save

Ready to Protect Your Watercraft?

Get a free, no-obligation watercraft insurance quote. We'll find the right coverage for your boat, jet ski, or personal watercraft.

Get Your Free Quote or call 1-800-252-6885