Independent insurance agency licensed in Florida Hablamos español. (305) 455-3394
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Boat insurance in Florida

Whether you fish, cruise or sail Florida's waters, we compare boat insurance from several insurance companies and explain your coverage, deductibles and hurricane requirements.

Get a quote Call (305) 455-3394

What it can cover

  • Hull: physical damage to your boat, motor and, if you choose, trailer
  • Liability for injury or damage you cause to others
  • Medical payments for you and your passengers
  • Uninsured boater coverage
  • Personal property and fishing equipment
  • Towing and on-water assistance

Good to know in Florida

  • Florida doesn't require insurance for most recreational boats, but marinas and lenders usually do.
  • Many boat policies require a hurricane plan, such as hauling out or securing your boat when a storm threatens.
  • Named-storm deductibles and navigation limits vary by company. We'll explain them before you buy.
  • Boat operators born on or after January 1, 1988 need a Florida Boating Safety Education ID Card to operate a boat with 10 horsepower or more.

How Citadel Insurance Group helps

  1. Tell us what you need

    Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.

  2. We compare insurance companies

    As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.

  3. We stay with you

    After you buy, we help with policy changes, renewals and claims questions.

Questions and answers

Does my homeowners policy cover my boat?

Usually only small boats, with low limits, if at all. A boat policy gives much broader protection on and off the water.

Is boat insurance required in Florida?

Not by state law for most recreational boats. Marinas and lenders usually require it, and it protects you if you cause an accident.

What is a hurricane plan?

A written plan for protecting your boat when a storm threatens, such as hauling it out or moving it to a safer location. Many policies require one.

Ready to compare?

A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.

Get a quote Call (305) 455-3394

Other insurance we offer

Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.