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Boat Insurance

Florida Boaters Insurance

florida boat insurance

Florida Boat Insurance Policies

With practically the entire state of Florida being located to some type of natural body of water, many of Florida’s great residents decide to invest in a boat, yacht or other personal water craft (PWC). Whether your boat is for personal, commercial, or different charter needs, We offer a variety of boat insurance options for you and your vessels.


Generally boat insurance policies will cover but are not limited to:


  • The boat, the trailer, and personal belongings.
  • Liability in instances of bodily harm upon the vessel.
  • Medical liability.
  • Theft.
  • Collision.
  • Fire.
  • Hull damage.
  • Boat trailer coverage.
  • Water sports liability.
  • Injuries.
  • Damage to another watercraft due to your boat.

Boat Coverage Information

The importance of boat insurance in Florida usually doesn’t come to light until it’s too late. Whether it’s a ding on the side or a total loss, it’s important to understand the benefits of insurance and what it entails.

Collision coverage. This coverage will cover any damage sustained by another boat, vehicle, or other object.

Comprehensive coverage. This entails damage to your boat from instances such as theft, fire, natural disasters, etc

Liability Coverage. Coverage ensures that if you injure someone else, they’ll be covered under this type of insurance.The minimum liability insurance available is currently 10/20/10.

Property damage liability. Any damage caused by you to another’s property, such as a boat or dock. This also protects you if a lawsuit comes from the accident. Minimum coverage amount is $10,000.

No fault coverage. The state of Florida currently requires a minimum of $10,000 of PIP, personal injury protection. This will cover medical bills for any injuries sustained in a boating accident regardless of fault.

Uninsured boater coverage. This will cover the insured of any bodily injury caused by a hit-and-run or someone else at fault that has no liability insurance. While not required, this is extremely beneficial.

Many insurance companies offer boat insurance but one rises above the rest: Metro Insurance Agency.

Offering personal and professional customer service, Metro Insurance will work diligently to provide you with the best Florida boat insurance possible. For more information, feel free to contact Metro Insurance today.

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fluent in Spanish, Portuguese and Polish.

Serving the Great State of Florida

We have extensive experience working with many different types of businesses throughout the Florida area (including the areas of Punta Gorda, Estero, Fort Myers Beach, Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Naples)