Boat & Watercraft

Enjoy the Water. Protect What Matters.

Whether you're cruising the Gulf, fishing offshore, or spending the day on a personal watercraft, having the right insurance can help protect your investment. At Arrington Insurance, we compare available boat and watercraft insurance options to help you understand your coverage and find a policy that fits how you use your vessel.

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Physical Damage

Helps cover damage to your boat or personal watercraft caused by covered events such as collisions, theft, fire, and certain weather-related losses. Depending on the policy, coverage may also extend to attached equipment, motors, and trailers, subject to applicable limits and exclusions.

Liability Coverage

Helps protect you financially if you're legally responsible for injuries to others or damage to someone else's property arising from a covered boating accident. Depending on your policy, coverage may include legal defense expenses and covered damages, up to applicable limits.

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Additional Options

Depending on the insurance company and policy, additional protection may be available for towing and emergency assistance, personal belongings, fishing equipment, medical payments, and uninsured boaters. Available options vary by vessel and insurer.

Frequently Asked Questions

  • Is boat insurance required in Florida?

    Florida generally does not require recreational boat owners to carry insurance. However, lenders may require coverage if your boat is financed, and certain marinas may require liability insurance before allowing you to dock or store your vessel. Even when insurance isn't required, having coverage can help protect you from potentially expensive damage or liability claims.

  • Does boat insurance cover hurricane damage?

    Many boat insurance policies provide coverage for hurricane and named-storm damage, but the terms can vary significantly. Some policies have separate named-storm deductibles, navigation restrictions, or requirements for securing or relocating your vessel before a storm. It's important to understand these conditions before hurricane season, as failing to meet certain policy requirements could affect coverage.

  • Does boat insurance cover my boat while it's being transported or stored?

    Not always. Requirements vary by insurance company and the value of the item. Depending on the piece, the insurer may request an appraisal, receipt, photographs, or other documentation to establish its value.

  • Does my homeowners insurance cover my boat or personal watercraft?

    Depending on the policy, coverage may extend to jewelry that is lost or damaged while you’re away from home or traveling. Coverage territory, limits, conditions, and exclusions vary by policy, so these should be reviewed before relying on coverage.

  • Can I use my boat anywhere with my insurance policy?

    Not necessarily. Boat insurance policies often include navigation limits that specify where your vessel can be operated. For example, a policy may cover inland waterways and certain coastal waters but restrict travel beyond designated areas or distances offshore. If you plan to travel to the Bahamas or other destinations, it's important to confirm that your policy allows it before your trip.

More Time on the Water. Less to Worry About.

Whether you're spending weekends on the water, heading offshore to fish, or enjoying a day with family and friends, your boat is an investment worth protecting. At Arrington Insurance, we'll help you compare available coverage options, understand important policy differences, and find insurance that fits your vessel and how you use it.