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Boat & Watercraft Insurance

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy, you can relax and enjoy your time away knowing that you’re adequately insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vessel: yachts, performance boats, sail boats, bass boats, jet skis, wave runners.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your Boat & Watercraft, but for you, and to others.

Learn more about Boat & Watercraft Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right Boat & Watercraft insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need Boat & Watercraft Insurance?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft and its motor against potential loss due to:

It covers your Boat Insurance covers you in the event of a loss or damage to your boat.

It covers you in the event of damages to someone else’s properties cause by your vessel

Theft or vandalism of your vessel.

It will protect you against claims by anyone who injures themselves while on your vessel.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Boat & Watercraft Insurance Cover?

The insurance coverage you need depends on a number of factors. Do you spend time on the open ocean or stick to a lake closer to home? Do you boat year round or spend time on the water only during spring and summer?

Your policy also extends to protect extra equipment attached to your vessels such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.

Typical Florida Auto Policy Components.

Bodily Injury Liability

This coverage protects you from paying out of pocket for injuries you cause. This does not cover damage to your vessel.

Property Damage Liability

This coverage protects you from paying out of pocket for injuries you cause. This does not cover damage to your vessel.

Physical Damage

This coverage protects your boat and trailer from damage, regardless of fault.

Uninsured Motorist

Unfortunately, many boaters do not carry boat insurance. If you’re involved in a collision with an uninsured boater, you’ll be responsible for the damage.


If you have equipment such as skis, towables, or gear with your vessel, equipment coverage covers that equipment.

Fuel spill/wreckage cleanup

The majority of waterways require you to remove your vessel if it’s involved in an accident, even if it has sunk. Additionally, if your boat is responsible for a pollution spill cleaning up.

Additional coverage options

Medical Payments

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car.

Roadside Assistance

Rental Reimbursement

24-Hour Road Service

Accident Forgiveness

Gap insurance

Custom Auto Equipment

What does Boat & Watercraft Insurance Cover?

Boat & Watercraft Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Boat & Watercraft insurance rates.

Your Boat & Watercraft Specs

— Vessel value, motor size, age, and how you use it..


— Florida insurance is different from insurance in other states for many reasons, like a higher risk of storm and flood damage, and access to boating year-round.

Personal Factors

— Your habits can affect your boat or watercraft insurance premium. Ex: smokers may pay more, good credit history can lower the premium.

Protective Devices

— Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History

— Claims on a past Boat & Watercraft ownership insurance policy

The Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



Top-rated insurance companies in Florida.


We specialize personal and commercial lines.


We’ll be there for you whenever you need us.

Have any questions?

(239) 313-2045

Open Mon - Fri

09:00 - 17:00

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