Boat and Marine Insurance in South Florida
Owning a boat in Florida should feel relaxing, not risky. Getting boat insurance helps protect your vessel, your guests, and your finances when the unexpected happens on the water.
At Fulton Agency, we help boaters across South Florida compare coverage for boats, yachts, and other watercraft. We work with top carriers to match you with protection that fits your lifestyle so you can head out with confidence.
Why Boat Insurance Matters in Florida
Living near the water is one of the best parts of South Florida, but it also comes with a number of risks. From crowded marinas to hurricane season, the right marine insurance coverage types can make a big difference when something goes wrong.
Depending on the carrier and plan you choose, your policy may offer:
- Physical damage coverage for your boat, motor, and equipment
- Liability and comprehensive boat coverage for injuries or property damage you cause to others
- Medical payments for you and your passengers
- Uninsured watercraft coverage
- Wreck removal and fuel spill liability
- Emergency towing and assistance
We explain your options in simple terms and help you choose coverage that fits your vessel, your plans, and your budget.
Boat and Marine Insurance Options
Our team helps you compare coverage for many types of vessels, including:
Small Boats and Runabouts
Perfect for fishing trips, family outings, or weekend cruising. We can arrange small boat insurance that protects your hull, motor, and liability on the water.
Yachts and Larger Vessels
If you own a larger boat or yacht, we help you review specialized options, including higher liability limits, navigation territories, and additional marine insurance coverage types that fit longer trips.
Personal Watercraft and Other Small Watercraft
From jet skis to similar craft, we can help with insurance for small watercraft so you are covered while towing, launching, and riding.
- Tell us about your vessel, how you use it, and where you keep it.
- We provide quotes that reflect your needs and budget.
- You review your options and ask us questions along the way.
- We help you choose a policy that balances protection and affordable marine insurance options.
Our team is here to explain factors that affect boat insurance premiums, common deductibles, and any navigation limits that apply to your policy.
Why Fulton Agency for Boat and Marine Insurance
Local Knowledge
We understand the conditions that come with boating in South Florida, from busy inland waterways to storms that can develop quickly. Our team helps you choose boat insurance that is built for coastal living and hurricane season.
Options That Fit Your Life
We compare plans and pricing from several carriers to find coverage that works for your vessel and your budget. Whether you are looking for affordable marine insurance options or higher limits for a yacht, we help you see the differences clearly.
Help When You Need It
Our bilingual team is here to answer questions, review your coverage, and support you during claims. Whether you are buying your first boat or adjusting coverage for a new vessel, you will always have someone local to call.
Boat Insurance FAQs
Policies can include hull coverage for physical damage to your vessel, liability and comprehensive boat coverage for injuries or damage you cause to others, medical payments, and more. We help you choose the coverage that fits your boat and how you use it.
Florida law does not require boat insurance for every vessel, but many marinas, lenders, and storage facilities do. Even when it is not required, coverage is strongly recommended to protect your boat and your liability on the water.
The average boat insurance cost depends on your vessel type, value, engine size, where you keep it, and how far you travel. We review factors that affect boat insurance premiums so you understand how each choice impacts your price.
Some homeowners policies offer limited protection for smaller boats, but this is often restricted by size, horsepower, and where you operate the vessel. A dedicated policy usually provides broader protection and better marine insurance coverage types.
Many policies can include coastal and hurricane related boat coverage, but details vary by carrier. We help you review hurricane deductibles, haul out provisions, and any requirements your policy may have before or after a storm.
Yes. We can help with insurance for small watercraft, including personal watercraft and similar boats. Coverage can protect both the craft itself and your liability while riding.
Find the Right Boat and Marine Insurance for Your Needs
Whether you own a small fishing boat, a family cruiser, or a yacht, our team can help you compare options, review your coverage, and choose boat insurance that fits your plans on the water. At Fulton Agency, we keep the process simple so you can focus on enjoying the boat, not worrying about the policy.
