Florida Boat Insurance

Your boat is an investment that deserves protection, and in Florida, securing comprehensive coverage before you set sail is essential. Boat insurance helps shield you from costly surprises by covering accidents, theft, damage, liability, and medical expenses for you and your passengers. Plus, many marinas require proof of insurance to dock—so don’t wait for trouble to hit before realizing you need it.

How Can We Help?

At Single Source Insurance, we help boat owners across Florida find affordable, reliable boat insurance that fits their watercraft, lifestyle, and budget. Whether you own a small fishing boat or a luxury vessel, we’ll help you get coverage that truly floats your boat.

Here’s what we offer:

  • Tailored Policies: Custom coverage for bowriders, pontoons, sailboats, speedboats, jet skis, and more.

  • Hull & Motor Protection: We help protect your investment from damage caused by collisions, weather, or theft.

  • Liability Coverage: Includes protection for injuries or property damage you may cause on the water.

  • Trailer & Towing Add-ons: Optional coverage for transporting your boat over land.

  • Expert Guidance: We explain your options clearly and help you meet any marina or lender requirements.

From the dock to open water—we’ll make sure you’re covered.

What Does Boat Insurance Cover In Florida?

Personal boat insurance policies in Florida can be customized to include:

  • Physical Damage Coverage: Protection for the hull, motor, sails, and permanently attached equipment in case of collision, fire, theft, or weather damage.

  • Liability Coverage: Covers bodily injury and property damage you may cause to others while operating your vessel.

  • Uninsured Boater Protection: Pays for injuries if you’re hit by someone who doesn’t have insurance.

  • Medical Payments: Covers medical bills for you or your passengers after an accident.

  • Towing & Assistance: Covers emergency towing, fuel delivery, or on-water breakdowns.

  • Personal Effects & Equipment: Protects fishing gear, life jackets, electronics, and more.

Our team will help you select the right mix of coverages to match your boat, usage, and lifestyle—so you’re protected from bow to stern.

When Should You Get Boat Insurance?

The best time to get boat insurance in Florida is before your boat hits the water. Even if it’s stored off-season or docked at the marina, your boat still faces risks like theft, fire, or storm damage.

You’ll want boat insurance if:


✔ You own or are buying a new or used boat
✔ You keep your boat docked at a marina or harbor
✔ Your lender or marina requires proof of coverage
✔ You plan to operate in Florida waters or navigate to nearby states/islands
✔ You want peace of mind for passengers, personal gear, and liability

Don’t wait until the tide turns—get protected before you set sail.

Why Choose Single Source Insurance?

At Single Source Insurance, we know that boat ownership is about freedom, relaxation, and adventure. That’s why we’re committed to helping you find coverage that keeps your time on the water worry-free and protected.

Here’s what makes us stand out:


Coverage for All Types of Watercraft: From jet skis to yachts, we’ve got you covered.
Access to Top Carriers: We shop Florida’s best marine insurers to get you the best rate.
Local Knowledge: We understand the risks of boating in Florida—sun, storms, saltwater, and all.
Friendly, Ongoing Support: Whether you’re updating your policy or filing a claim, we’re always just a call away.

Let us show you the Single Source difference. Reach out today and get the boat insurance coverage that lets you focus on enjoying the ride—not worrying about what could go wrong.

Let’s Get Started

Ready to see what makes Single Source one of the best insurance companies? Request a quote today or contact us for more detailed information.