Is boat insurance required in Florida?

The state of Florida does not legally require boat insurance, but some marinas, lenders, and situations (like financing) may require you to have boat insurance. It is highly recommended to protect your investment and cover potential liabilities.

Does boat insurance cover liability on the water?

Yes, boat insurance typically includes liability coverage that can help protect you if you are responsible for causing bodily injury or property damage to others while operating your boat.

What factors can influence boat insurance premiums?

Factors that can influence boat insurance premiums include the type and value of the boat, its age, its horsepower, where it will be used and stored, the boating experience, and the coverage limits you choose.