Yacht Insurance Companies in Florida for Boat Owners !

Florida, with its vast coastline and year-round warm weather, is one of the most popular states in the U.S. for boating and yachting. The state is home to a vibrant boating culture, from luxury mega yachts and charter boats to small boats, pontoon, and bass boats. With such a large variety of vessels, securing the right yacht insurance is crucial for every boat owner, whether you’re looking for comprehensive coverage, affordable protection, or specialized policies tailored to your boat’s needs.

From towing services to customized coverage, Florida’s leading yacht insurance providers offer a variety of options to ensure that you’re fully protected on the water.

Here’s a list of the top 17 yacht insurance companies in Florida, offering the best policies and coverage for boat owners of all kinds.

List of top 17 best Yacht Insurance Companies in Florida !

Progressive Boat Insurance

One of the most well-known names in the marine insurance industry, Progressive offers comprehensive coverage for all types of vessels, from small boats to luxury mega yachts. Their policies include protection against accidents, theft, and weather-related damage. Progressive also provides affordable towing and liability coverage, along with flexible quotes and policies tailored to individual needs.

Best For: Cruisers, bass boats, personal watercraft
Coverage: Comprehensive, collision, liability, towing, medical
Quote Options: Custom, affordable, quick quotes online

BoatUS Insurance

BoatUS is a top-tier provider specializing in boat insurance, with a strong presence in Florida. Known for its affordable policies and excellent customer service, BoatUS offers comprehensive coverage for all boat types, including pontoon boats, sailboats, and charter vessels. They are also a leading provider of towing services through their membership program.

Best For: Sailboats, pontoons, small boats
Coverage: Comprehensive, liability, towing, wreck removal, uninsured boater
Additional Benefits: Discounts for BoatUS members, 24/7 towing services

Geico Boat Insurance

Geico, a well-known insurance company, offers a variety of marine coverage options in Florida. Their boat insurance policies are known for being cost-effective while providing a high level of protection. Geico offers custom coverage tailored to your boat’s needs, whether you own a luxury yacht, a bass boat, or a personal watercraft.

Best For: Small boats, personal watercraft, bass boats
Coverage: Liability, collision, comprehensive, medical, towing
Quote Options: Affordable quotes, fast online application

Allstate Marine Insurance

Allstate provides specialized insurance for luxury yachts, cruisers, and small boats. Their customized policies ensure that boat owners get the best protection for their specific needs. Allstate offers a range of options, from liability coverage to sailing insurance, with an emphasis on comprehensive coverage for both new and experienced boaters.

Best For: Luxury yachts, cruisers, pontoon boats
Coverage: Comprehensive, collision, liability, personal injury, towing
Additional Benefits: 24/7 claims support, roadside assistance

Chubb Marine Insurance

Chubb offers tailored yacht insurance policies that are specifically designed for luxury mega yachts and large cruising vessels. With worldwide coverage, Chubb provides protection for accidents, theft, storm damage, and more. Their policies are known for being comprehensive and can be customized to meet the specific needs of high-end boats.

Best For: Luxury mega yachts, high-end cruisers
Coverage: All-risk coverage, liability, medical payments, towing, custom options
Additional Benefits: Worldwide coverage, premium claims handling

Travelers Boat Insurance

Travelers provides affordable yacht insurance for boat owners in Florida. Whether you’re looking for coverage for a pontoon, sailboat, or charter boat, Travelers offers comprehensive insurance plans that can be tailored to your needs. They also provide specialized towing services and boat replacement policies in case of loss.

Best For: Sailboats, pontoon boats, small boats
Coverage: Liability, comprehensive, collision, towing, wreck removal
Quote Options: Affordable quotes, custom tailored policies

State Farm Boat Insurance

State Farm is a trusted name in insurance, offering policies that provide protection for all types of boats, from small watercraft to luxury yachts. Known for its customized coverage, State Farm ensures that boat owners in Florida receive the best protection for their vessels, including coverage for theft, storm damage, and accidents.

Best For: Small boats, bass boats, personal watercraft
Coverage: Liability, collision, comprehensive, medical, towing
Additional Benefits: Multi-policy discounts, roadside assistance

MarineMax Insurance

MarineMax provides specialized yacht insurance for luxury boats and yachts, offering a comprehensive range of coverage options. Their policies are designed to give boat owners peace of mind, whether you’re cruising the Intracoastal Waterway or docked in a marina. MarineMax also offers towing and emergency services, along with personalized policies.

Best For: Luxury yachts, charter boats, cruisers
Coverage: All-risk, liability, collision, towing, wreck removal
Additional Benefits: Custom policies, exclusive services for high-end boats

Nationwide Boat Insurance

Nationwide offers affordable marine insurance options for Florida boat owners. Their coverage extends to a wide variety of boats, including pontoon boats, cruisers, luxury yachts, and personal watercraft. Nationwide also provides discounts for multiple boats and offers custom policies tailored to your needs.

Best For: Cruisers, small boats, luxury yachts
Coverage: Liability, collision, comprehensive, medical payments, towing
Additional Benefits: Multi-boat discounts, custom coverage options

AIG Private Client Group

AIG’s Private Client Group specializes in providing premium yacht insurance for luxury boats and mega yachts. Their policies are designed for owners of high-value yachts, offering customized, all-inclusive coverage for storm damage, accidents, theft, and liability.

Best For: Luxury mega yachts, high-end cruisers
Coverage: All-risk, personal property, liability, medical, towing
Additional Benefits: Worldwide coverage, high-net-worth individual services

Markel Insurance

Markel is known for offering comprehensive yacht insurance that is perfect for boaters who need customized coverage for a variety of marine vessels, including bass boats, sailboats, and cruisers. Markel provides affordable quotes, with tailored coverage to fit every type of boat owner.

Best For: Bass boats, sailboats, small boats
Coverage: Liability, comprehensive, collision, towing, wreck removal
Additional Benefits: Affordable coverage options, custom tailored policies

USAA Boat Insurance

USAA provides high-quality, affordable yacht insurance for military families in Florida. Offering coverage for a range of vessels, including luxury yachts and small boats, USAA ensures that boat owners are well protected against weather damage, theft, and liability.

Best For: Military families, small boats, bass boats
Coverage: Comprehensive, collision, liability, towing, medical
Additional Benefits: Discounts for USAA members, competitive quotes

Mercury Insurance

Mercury offers affordable yacht and boat insurance to Florida residents, specializing in pontoon boats, small boats, and luxury vessels. Their policies include comprehensive coverage, liability protection, and towing assistance, with customizable options for boat owners of all types.

Best For: Pontoon boats, small boats, luxury yachts
Coverage: Liability, collision, comprehensive, towing, medical
Additional Benefits: Customizable, affordable quotes

Safe Harbor Insurance

Safe Harbor Insurance specializes in customized boat insurance for a wide range of vessels, from personal watercraft to luxury yachts. They offer comprehensive coverage tailored to individual needs, including towing and liability protection for Florida boat owners.

Best For: Luxury yachts, personal watercraft, small boats
Coverage: Liability, collision, comprehensive, towing
Additional Benefits: Affordable, customized insurance policies

Gallagher Yacht Insurance

Gallagher is a leading provider of marine insurance with a strong presence in Florida. They offer premium yacht insurance coverage for charter boats, sailboats, and mega yachts, with an emphasis on personalized service and custom protection plans.

Best For: Charter boats, sailboats, mega yachts
Coverage: Liability, hull damage, crew coverage, towing
Additional Benefits: Specialized coverage for high-value vessels

Pantaenius Yacht Insurance

Pantaenius is one of the most respected names in global yacht insurance, offering comprehensive policies in Florida. They specialize in luxury yacht insurance with worldwide coverage, making them a favorite among yacht owners who travel internationally.

Best For: International yacht owners, luxury vessels
Coverage: Worldwide all-risk, liability, salvage, towing
Additional Benefits: Global support, custom protection plans

SkiSafe Boat Insurance

SkiSafe provides affordable boat insurance specifically tailored for personal watercraft, small boats, and jet skis. Their simple, no-nonsense policies offer great value for Florida boaters looking for cheap insurance quotes without sacrificing coverage.

Best For: Jet skis, small boats, personal watercraft
Coverage: Liability, collision, comprehensive, towing
Additional Benefits: Easy online quote system, affordable protection

Final Thoughts: Choosing the Best Yacht Insurance Company in Florida

Whether you own a bass boat, a pontoon, a personal watercraft, or a luxury mega yacht, having the right marine insurance coverage is essential. Florida’s unique boating environment—with hurricanes, saltwater exposure, and high traffic on the water—demands a custom, tailored approach to insurance.

From cheap insurance quotes for small boats to fully comprehensive protection for luxury charter vessels, these top 17 yacht insurance companies in Florida offer a wide variety of affordable and specialized options. When choosing the right provider, be sure to compare coverage limits, deductibles, and towing services to find the perfect match for your boating lifestyle.

Whether you’re sailing the Gulf Coast or cruising through the Florida Keys, protect your dream vessel with the best coverage in the industry.