FLORIDA’S TRUSTED INDEPENDENT AGENCY
Boat Insurance in Florida
Protecting Your Vessel on and off the Water
Why Boat Insurance Matters.
Florida is the boating capital of the U.S., but with that comes risk: hurricanes, theft, accidents, and liability on the water.
Standard homeowners’ policies usually don’t cover boats beyond very small vessels.
Without proper coverage, one accident could leave you responsible for costly repairs, medical bills, or even lawsuits.
What Boat Insurance Covers
Physical Damage - hull, motor, sails, trailer, and onboard equipment.
Liability Coverage - if you cause injury or property damage while operating your boat.
Medical Payments - coverage for injuries to you or your passengers.
Uninsured/Underinsured Boaters - protects you if another boater is at fault but has no coverage.
Towing & Assistance - emergency on-water towing, fuel delivery, and breakdown help.- Storm &
Hurricane Protection - critical in Florida’s severe weather seasons.
FAQ
Common Questions Florida Boat Owners Have About Boat Insurance:
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Not by state law, but marinas and lenders usually require it.
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Your auto policy may cover the trailer liability, but the boat itself often needs its own policy.
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Yes, most policies include storm coverage — but limits and deductibles vary.
Why Choose Safe Hill
Independent Advantage - We shop multiple carriers specializing in marine insurance.
Florida Expertise - We understand the risks of boating in hurricane-prone waters.
Responsibility First - Protecting your vessel, passengers, and lifestyle is more than a policy — it’s our duty.
Protect Your Vessel Before You Set Sail
Boating should bring peace of mind, not financial risk. Let Safe Hill make sure you’re covered.
Fill out the form to connect with our team at Safe Hill Insurance.
We'll respond promptly to discuss tailored solutions for your personal or business needs.
Or Call Us Today: 239-692-3504 Or Click Here to Text Us.
