Florida Boat Insurance That Goes Beyond the Basics
In Florida, boating isn’t just recreation—it’s part of everyday life. With more than 8,000 miles of shoreline, countless inland lakes, and year-round sunshine, it’s no wonder so many Floridians spend their free time on the water. Whether you cruise the Gulf on weekends, fish from a center console, or take the family out on a jet ski, your vessel is more than just a toy—it’s a major investment that deserves serious protection.
At Bridges Insurance Agency, we help Florida boat owners protect what matters most: their vessel, their passengers, and their peace of mind. From costly storm damage to liability concerns and theft, marine insurance gives you the coverage you need to enjoy the water with confidence. We know boating isn’t one-size-fits-all, and that’s why we offer customized marine insurance solutions designed to match your boat type, usage, and budget.
What Does Marine Insurance Cover?
Florida is home to over 1 million registered recreational boats, more than any other state. With that many vessels on the water, the risk of accidents, damage, and liability is high, even for cautious boaters. Between fender benders at the marina, onboard injuries, and unexpected storms, it doesn’t take much for a day of boating to become financially stressful.
A comprehensive marine insurance policy provides peace of mind by covering far more than just hull damage. From personal watercraft to sailboats and yachts, we’ll help you customize protection that fits your craft, lifestyle, and budget.
Marine liability insurance helps protect you from these unpredictable situations by covering:
- Bodily injury to passengers, swimmers, or other boaters
- Property damage to docks, vessels, or coastal structures
- Legal defense costs if you’re sued following an incident
- Pollution liability if your vessel causes environmental harm
Many marinas, boatyards, and storage facilities now require proof of liability coverage. And if your boat is financed, your lender will likely require insurance as part of the loan agreement. Even if you’re operating a smaller craft, liability exposure remains a serious risk.
Why Marine Insurance Matters In Florida
Florida offers unparalleled boating opportunities, but it also presents some of the most complex risk factors in the country. With over 1 million registered recreational vessels and a long coastline vulnerable to hurricanes, the state leads the nation in both boating accidents and storm-related losses. According to the U.S. Coast Guard, Florida consistently reports the highest number of boating accidents, many involving injuries, property damage, or fatalities.
Beyond the accident rate, Florida boaters also face the increasing threat of severe weather. Hurricane season runs from June through November, and each year, storms cause millions of dollars in watercraft damage statewide. Without the right policy in place, one storm could sink your investment—literally and financially. And while some homeowners insurance policies offer limited boat coverage, they often exclude larger vessels, higher liability limits, and storm-related damage.
Marine insurance helps fill that gap. Whether it’s a named storm, a collision at the dock, or a liability claim after a passenger injury, a properly written boat policy provides a financial safety net that protects both your boat and your personal assets. Even relatively minor claims—like dockside fuel spills or wake-related damage to another vessel—can escalate into expensive legal disputes.
While Florida law does not currently mandate boat insurance, going without it is a gamble that exposes you to serious financial risk. With growing boat traffic, more frequent litigation, and unpredictable weather, marine insurance is no longer optional for responsible boat owners—it’s essential.
Get a Florida Boat Insurance Quote Today
At Bridges Insurance Agency, we specialize in helping Floridians get the coverage they need—with fast turnaround, clear explanations, and zero pressure. Whether you’re insuring a fishing boat, sailboat, or personal watercraft, we’re here to simplify the process and connect you with a policy that fits your boating lifestyle.
Give us a call at (850) 354-8900 or request a quote online to get started today.