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Watercraft Insurance

Windward Watercraft Insurance

You can enjoy a day out on the water in Florida when you’re covered with watercraft insurance. A boat insurance policy typically covers boats up to 26’ in overall length. If your boat is greater than this then it may be considered a yacht and therefore qualify for yacht insurance.

Boat insurance policies provide coverage for repairs if your boat is accidentally damaged or destroyed by a covered peril such as collision, fire, theft, windstorm, lightning, or vandalism. This coverage is comprehensive as it provides coverage for the boat and its machinery and auxiliary equipment, outboard motors, boat trailer, and personal property on board. Learn more about what’s covered below:

Boat Liability

Boat Liability insurance offers financial protection if you are legally responsible for damages to property or to injuries to someone other than yourself or a family member. In the event a lawsuit results after hitting another boat, or someone is injured onboard your vessel due to your negligence, coverage may be extended from $100,000 up to $1 million.

Medical Expenses

The Medical Payment section of a boat policy provides protection for medical, ambulance, and hospital costs should someone be injured while in your boat or upon boarding or leaving your boat.

Uninsured / Underinsured Motorist

Similar to Auto Uninsured Motorist policies, those who select this coverage with their boat policy will be eligible to recover for injuries caused by an accident from an owner or operator of an uninsured boat or "hit-and-run" boat incident.


A must in the event of an emergency on the water. Towing and Assistance policies enable you to be reimbursed for the reasonable costs incurred when you break down at sea and need to be towed back to port.

If you have a personal watercraft, like a jet ski, our state law requires some level of insurance coverage along with it. Often, this coverage can simply be added to an existing boat policy, saving you time. Accidents can be covered with available options to protect items such as damage to another watercraft or dock, bodily injury, or death to another person due to your negligence, or injury caused by another uninsured watercraft operator.

We Can Help You Navigate Insurance

In a sea of options, the Windward Insurance Agency can help you navigate the waters to find the right insurance coverage for you and your family. We have cultivated relationships with the top carriers in our State who are ready to provide quotes and options to those we represent. Let us help you navigate insurance, start by getting a quote online or call us today at 866-231-2433 for assistance.