Florida Boat Insurance Coverage

Florida boat insurance

Boat insurance in Florida is an important aspect that goes into the care of a vessel.

Florida boat insuranceSome boat owners feel that they do not need a boat insurance policy. That is a scary thought when considering  sudden accidents, liabilities, and other scenarios that are out of your control. Waterways can be treacherous environments and boat insurance is an important type of insurance to have.

A boat insurance policy protects the boat and its owner in the event of any type of loss or liability. This type of insurance policy includes fishing boats, Personal Watercraft’s (P.W.C), jet skis, yachts, bass boat, skiing boats, wake boarding boats, etc.

Boat insurance policies mostly covers any type of motorized water vehicle. This excludes canoes, kayaks, and paddle boats. There are some instances where a homeowners insurance policy will provide coverage to a certain extent for non-motorized water vehicles.

In the state of Florida, most insurance companies will have some type of standard boat insurance policy using the options: property damage / body injury liabilities, med pay, uninsured boaters, collision coverage, and comprehensive coverage. Many boat insurance companies in Florida can even offer specialized options, which include:

  • Reduced Deductibles. 
  • Total Loss Replacement
  • Replacement cost for personal items

One advantage of a boat insurance policy is the fact that most of the companies we represent offer 24-hour on water / roadside assistance.

It is important in any instance to make sure that you and your boat are getting adequate coverage. Not all insurance policies are going to fit exactly what you are looking for. This is where we come in as an independent Florida insurance agency. We will shop rates between different companies and custom tailor a boat insurance policy to your specific needs.

Hot and Cold

Another important aspect to consider when shopping for boat insurance is whether you should purchase th policy for all year or just for specific seasons. Being that Florida is warm for the better part of the year it is highly suggest by the insurance companies that you buy boat insurance for the whole year, not just for specific seasons.

Dry land and On the Water

Whenever you are actually using your boat you are going to need boat insurance. It is important to protect yourself from accidents and hazardous occurrences when you are actually on the water and using your boat.

While the above statement is very true another statement that is equally true is that you need boat insurance in Florida when it is not in the water as well.

When shopping for boat insurance it is important to keep in mind that there are a wide variety of insurance providers offering boat insurance. It can be difficult to decide who to go with and which type of coverage and boat insurance policy is right for you. When shopping with V.W. Gould Agency, Inc. the answer is usually pretty simple. We represent some of the top boat insurance companies in the state and can assist you in finding the right boat insurance policy to fir your specific needs. If you are looking for a quote on Florida boat insurance check our our page. Flora Boat Insurance

Call us today for a free no obligation quote 386 734 3970

Have a question? Fill in the form below and an independent insurance agent will contact you.



201 N. Woodland Blvd.
DeLand, FL 32720
Phone: 386-734-3970


Mon: 9:00 AM – 5:00 PM
Tues: 9:00 AM – 5:00 PM
Wed: 9:00 AM – 5:00 PM
Thurs: 9:00 AM – 5:00 PM
Fri: 9:00 AM – 5:00 PM
Sat: Closed
Sun: Closed