Shop & Save Instantly On Florida Boat Insurance
Shop & Save Instantly On Florida Boat Insurance
Compare quotes from our marketplace of Top-Rated Florida Boat Insurance Providers
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Shopping For Florida Boat Insurance Made Easy!
Say Hello to a Better Boat Insurance Shopping Experience
Provide information about the property you want to insure. We’ll assign you a licensed professional to personally review your boat.
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We’ll scour the market for the best quotes and provide you with a variety of options to choose from.
Our team will help you select the best option for your needs.
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Why Florida Boat Owners Love Worth
Since 2018, we've strived to be the leading online digital insurance marketplace.
Lillian was amazing very knowledgeable, helped me out with whatever questions I had and educated me on policy coverages. So helpful I will deff recommend any and all my friends to her. Thank you!
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Matt was very helpful and found me a great price on my boat insurance.
Lillian is thoughtful, helpful and insightful, explained the whole process. For anyone looking for a home quote and/or boat insurance, please see Lillian Marin! Thank you.
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Lillian M was the one who help me get my insurance. She was very responsive, and quickly helped me find a good quote. Thanks,
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They were quick in their responses, helpful with questions and overall great to work with! Lillian was awesome!
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Why Worth Insurance?
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We Help You Save & Maximize Discounts
Our agents give you personalized attention and have access to the best savings, discounts, and quotes available. You always get the coverage you need for your boat at the lowest possible rate.
Let Worth Insurance take care of your boat insurance needs – and lock in your savings and discounts today. Take a look at some of the ways we can help you save:
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Get the Best Boat Insurance Coverage Hassle-Free with Worth Insurance
Quick & Easy
Application Process
No more spending hours browsing through quotes on comparison websites or filling out lengthy forms. With Worth Insurance, you can apply in under 60 seconds and let our agents handle the rest.
Save Money & Worry Less
about Costs
Our agents will find you competitive rates and discounts so that you can enjoy comprehensive coverage without breaking the bank.
Stay Ahead of Unexpected Disasters or Losses
Our modern technology enables us to move faster than other agencies, ensuring that we secure tailored coverage options for you as soon as possible. So you don't have to worry about facing unexpected disasters or losses.
We Make Shopping for Boat
Insurance Simple & Stress-Free
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We take the stress out of shopping for boat insurance. We make it easy to shop and save, so you don't have to worry.
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Protecting your boat is our top priority, and we guarantee quality coverage from only the best-rated carriers on the market.
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Our technology allows us to move quickly, so you don't have to wait months to get the necessary coverage. Our simple process makes getting the insurance you need easier than ever.
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Our experienced team will help you navigate the market and get the best rates for your needs.
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Apply in under 60 seconds, and let us take the stress out of comparing options and locking in your rate.
Frequently Asked Questions
We get it. Boat insurance is complicated. We're here to help clear things up.
Boat insurance financially protects you from injuries or damages caused to you or others while boating.
Most states don't require boat owners to purchase boat insurance. If the boat is financed, the lender might require the owner to carry coverage. Additionally, if the boat is kept in a marina or storage facility, the facility might require insurance on the watercraft.
Boats in storage may not be covered by homeowners insurance. However, if your homeowner's policy does cover your boat in storage, the Insurance Information Institute says that likely only boats such as canoes, small boats, and small sailboats will be covered. It goes on to say that the coverage would be minimal.
Boat insurance will cover damage to the hull, furnishing, motor, sails, trailer and much more. If you cause an accident, your boat insurance will cover the damage you caused, injuries/death of another person, and damage to another's boat.
It is a good idea to have insurance during the off-season, hazards such as fire and theft may happen at any time. If you do not have boat insurance, you may have to pay to repair or replace your boat if stolen or damaged.
Unfortunately boats are not covered under home insurance policies. A boat needs a separate insurance policy given its value and risk exposures.
Boat insurance is the promise to pay in the event of a covered loss. If you damage your boat or cause injuries or damages to another person, insurance is there to pay for the losses as long as they are covered in the policy.
It is not a bad idea to keep your boat insured. Theft, damage, and various other types of hazards will be covered by your boat insurance while your boat is stored. In addition, when you are ready to put your boat back in the water, you will not have to think about reactivating your policy.
On average you can expect your boat insurance to cost $200-$500 every year. However, if you own a big boat (like yacht or sailboat), the boat insurance can cost between 1-5% of boat's value.
Boat insurance works the same as car insurance. If you cause damage to another boat or your own, you can file a claim with your insurer, requesting they pay for the damages. If the event is covered, all losses or injuries will be paid by your insurer up to coverage limits.
No state requires insurance for your boat trailer. However, if you have an accident with your boat trailer involved, it is possible you could be liable for damages.
A few things to think about: How often do you take people out on your boat? Are there any special features on your boat (you might need extra protection)? Where are you going to use your boat? Before buying boat insurance, it would be smart to talk to an insurance representative.
