Boat Insurance in Florida
Boat & Watercraft Insurance
Florida is a boater's paradise — and Brevard County is right on the water. Explore boat insurance coverage options for your vessel and how you use it.
Available Coverage Options
Coverage options, limits, deductibles, and availability vary by carrier and policy. Coverages are included only when selected or required by law.
- Physical damage to your boat, motor, and trailer
- Liability coverage if you injure someone or damage their property
- Medical payments for injuries to you and your passengers
- Uninsured boater coverage
- Towing and assistance on the water
- Personal property aboard the vessel
- Hurricane haul-out coverage
Why Turner Florida Insurance?
We understand the unique risks of boating in Florida's coastal waters, rivers, and the Indian River Lagoon.
We compare available options from multiple boat insurance carriers based on your vessel type, usage, and coverage selections.
We help you explore available hurricane and haul-out coverage options based on your vessel, usage, carrier, and the coverage you select.
Common Questions
Does my homeowners insurance cover my boat?
Most homeowners policies provide very limited coverage for small boats (typically up to $1,500). Larger vessels and any liability on the water require a separate boat insurance policy.
What is agreed value vs. actual cash value for boats?
Agreed value pays the full insured amount if your boat is totaled, with no depreciation. Actual cash value deducts depreciation. Agreed value is generally preferred for newer or more valuable vessels.
Ready to Get Covered?
Get a free, no-obligation quote from a local Brevard County agent today.