Florida Boat Insurance Made Simple
Sail Confidently — Stay Covered with Staybull Insurance
Owning a boat in Florida means year-round sunshine, weekend adventures, and open-water freedom. But it also comes with unique risks — from unpredictable storms to crowded marinas and coastal theft. At Staybull Insurance, we’ve spent over 17 years helping Florida boat owners protect their vessels, passengers, and peace of mind. We work with top marine insurers across the state to compare coverage and find policies that fit your boat, budget, and lifestyle. Whether you sail, fish, or cruise the Intracoastal, Staybull keeps you confidently covered on and off the water.
Florida Boat Insurance Made Simple
Confidence for Every Cruise, Coast to Coast
At Staybull Insurance, we know that owning a boat in Florida means more than weekend escapes — it’s a lifestyle. From fishing trips on the Gulf to cruising the Atlantic, we help protect what keeps you afloat. With access to top-rated marine insurers, our team compares multiple policies to find coverage that fits your vessel, budget, and needs. Whether you own a speedboat, sailboat, or personal watercraft, Staybull makes sure you’re protected on the water, at the dock, and everywhere in between.
Reliable Protection for Every Florida Boater
Florida’s waters are as unpredictable as its weather — but your insurance shouldn’t be. Staybull Insurance provides dependable boat coverage that shields you from storm damage, liability risks, theft, and more. Our local agents understand the unique challenges of boating in Florida’s coastal and inland areas. With over 17 years of experience and partnerships with trusted marine carriers, we make safeguarding your vessel simple, affordable, and stress-free — so you can focus on enjoying the ride.
Florida Boat Insurance Made Simple
What Florida Boat Insurance Covers
Boat insurance policies are designed to protect you, your passengers, and your investment from the financial fallout of accidents or damage. A well-built policy typically includes
Florida Boat Insurance Made Simple
Optional Add-Ons & Specialized Coverage
Enhance your protection with optional coverages tailored to Florida’s boating lifestyle
Fishing Equipment & Electronics Protection
Covers high-value gear beyond standard limits.
Salvage & Wreck Removal
Covers costs to recover or remove your boat after a covered loss.
Fuel Spill Liability
Protects against environmental cleanup costs due to accidental fuel spills.
How Boat Insurance Premiums Are Determined
- Type, size, and horsepower of your boat
- Storage location (marina, trailer, dock, or dry stack)
- Navigational limits and seasonal use
- Boating experience and safety certifications
What we offer
Florida’s Trusted Partner for Boat Insurance
Choosing the right insurance partner matters as much as choosing the right boat. At Staybull Insurance, we combine local insight with personalized service to make your experience seamless.
Whether you’re cruising Biscayne Bay, exploring the Keys, or fishing the Gulf, Staybull Insurance helps you navigate Florida’s waters with total confidence.
Local Florida Expertise
Our agents live and work here — they understand coastal, inland, and hurricane-related risks better than anyone.
Access to Top Marine Insurers
We partner with multiple trusted marine insurance carriers to find you the most competitive pricing and coverage options.
Tailored Protection for Every Vessel
From powerboats and sailboats to jet skis and yachts, we build policies designed specifically for your vessel type and usage.
Hurricane-Ready Coverage
We guide you through storm prep and handle claims quickly during Florida’s most challenging weather seasons.
Personalized Service, Not Call Centers
When you call Staybull, you reach real local agents — ready to help with quotes, claims, and renewals personally.
Coverage Beyond the Water
Protect your boat trailer, dock, and mooring with flexible add-ons designed for total peace of mind.
Discounts for Smart Boaters
Earn savings for safety courses, multi-policy bundles, and clean boating records.
17+ Years of Trusted Protection
With nearly two decades of experience, Staybull has earned the confidence of Florida’s boat owners statewide.
Florida Boat Insurance
What Impacts Your Boat Insurance Premium in Florida?
We help you find the right balance so you’re not overpaying for coverage
As a Florida-based agency, Staybull Insurance proudly serves all major metropolitan areas and entire regions across the state:
Orlando
Jacksonville
Tampa / St. Petersburg / Hillsborough County
West Coast (Sarasota, Naples, Fort Myers)
Panhandle / Tallahassee / Pensacola
Inland areas (Ocala, Gainesville, The Villages, etc.
Miami / Fort Lauderdale / Palm Beach
Give Us A Chance To Prove It!
BENEFITS & MISSION
Florida Boat Insurance FAQ
Is boat insurance required in Florida?
No, Florida doesn’t legally require boat owners to carry insurance. However, if you finance your vessel or dock it at a marina, your lender or marina may require proof of coverage. Even if it’s not mandatory, insurance is strongly recommended to protect against accidents, theft, or storm damage.
What does a standard boat insurance policy cover?
Most boat insurance policies include liability coverage, physical damage (collision and comprehensive), and medical payments. You can also add options like towing assistance, personal property protection, and coverage for trailers or accessories.
Does my homeowners insurance cover my boat?
Only partially. Homeowners insurance may cover very small boats without engines or those under a limited value. For most powerboats, sailboats, or personal watercraft, you’ll need a separate boat insurance policy to be properly protected.
CALL TO ACTION
How to Get Started / Request a Quote
- Request a no-obligation quote — Provide property details, location, and coverage preferences.
- We’ll compare options tailored to your home and risk factors.
- Choose & customize your policy — select deductibles, add-ons (water backup, loss assessment, etc.).
- Get insured — once approved, your coverage begins, and you’ll receive your policy documents.
Our Happy Customers
Get Your Free Quote Today
Book Appointment To Get Quick Solution !
Finding the right auto insurance doesn’t need to be stressful. At Staybull Insurance, we make it quick, easy, and affordable. Get started online or call us today to speak with a licensed agent who understands the Florida market
To request your free auto insurance quote
Call us at (772) 924-0854
