From bay boats and center consoles to sailboats, yachts, and jet skis, we protect your time on the water across all of Florida, hull, liability, towing, and the state's real risk: named storms. Independent agency, dozens of marine carriers, one easy quote.
Florida is the boating capital of the country, more registered vessels than anywhere else, and from the Gulf to the Keys to the Atlantic, the water is a way of life. It also brings real exposure: named storms, busy waterways, salt, and theft. As an independent agency, we build a marine policy around your vessel and how you use it, then shop specialist boat carriers statewide so one mishap doesn't sink your investment. No office visit needed, we handle it by phone and online wherever you keep your boat.
Repairs or replaces your boat after a covered accident, sinking, fire, or theft.
Covers injury or property damage you cause to others on the water.
Helps cover the cost of pulling and securing your boat when a hurricane threatens.
Protects you when another boater at fault has no coverage.
Covers towing, fuel delivery, and assistance if you're stranded.
Covers injuries to you and your passengers, regardless of fault.
Fishing equipment, electronics, and personal items aboard.
Locks in your payout up front, no depreciation surprises after a total loss.
Covers the often-overlooked cost of removing a sunk or grounded vessel.
Covers your legal responsibility for fuel or oil discharge after a loss.
Lower rates for the months your boat is out of the water and stored.
Extends coverage to your trailer, motor, and rigging on the road.
The Florida workhorse, inshore and nearshore fishing rigs.
Day sailers to bluewater cruisers, hull, rigging, and liability.
Higher-value vessels with survey-based agreed-value coverage.
Family and lake boats across Florida's inland waters.
Personal watercraft liability and physical-damage coverage.
Tournament and offshore rigs, including gear coverage.
Commercial vessels, charters, and liveaboards too, just ask.
From the Bay to the flats, our home water, year-round boating and real hurricane exposure.
ClearwaterSt. PetersburgDunedinSarasota Bay down through the barrier islands, boating, fishing, and waterfront living.
SarasotaPalmettoBradentonOffshore, reef, and bluewater runs where wreck-removal and named-storm coverage matter most.
See coverage areaFrom the east coast inlets to Florida's lakes and rivers, we cover them all.
See coverage areaBoat insurance isn't one-size-fits-all. We match your vessel to carriers who actually specialize in marine risk.
We place you with carriers built for boats, not an afterthought add-on.
Agreed value, towing, and named-storm coverage sized to how you actually boat.
We know Gulf, Keys, and Atlantic boating, and answer when you call.
Bundling your boat with your home and auto is often the easiest way to save across the board.
Florida doesn't legally require boat insurance, but your lender or marina almost always will, and given the cost of a boat and the liability on busy waterways, it's well worth carrying.
A proper marine policy can cover named-storm damage, and many include haul-out coverage that helps pay to pull and secure your boat when a storm is coming. We make sure yours is set up correctly for Florida.
If your boat sinks or grounds, the law often makes you responsible for removing it, which can cost more than the boat itself. We make sure wreck-removal and fuel-spill liability are built into your policy.
Agreed value pays a pre-set amount if your boat is totaled, no depreciation. Actual cash value factors in depreciation. We'll explain which makes sense for your vessel.
Yes, from jet skis to sailboats to yachts, we have carriers for vessels of all sizes, anywhere in Florida.
Often, yes. Pairing your boat with your home and auto can unlock multi-policy discounts, just ask us to quote them together.
Tell us about your vessel and we'll bring back your best marine options, named-storm protection included.