Boat & Yacht · Miami
Insurance for boats and yachts in Miami.
From day boats to large yachts, at the marina or at your dock.
- Licensed agent in FL
- Access to 200+ insurance companies
- 4 languages
What it usually covers
- Usually covered: Agreed hull value, set at the start
- Usually covered: Hurricane plan and haul-out options
- Usually covered: Navigation to the Bahamas and Caribbean
- Usually covered: Charter use, captain and crew
Not covered: Liability above your policy's limits. For that, there's umbrella insurance.
Coverage depends on the carrier and the policy you choose.
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3 steps. That's it.
- Answer a few questions
- We compare carriers
- An agent usually replies within 30–60 minutes during business hours
Questions from boat and yacht owners
What is an agreed value policy?
The boat's value is agreed when the policy is written, and a total loss is usually settled on that amount rather than on a depreciated value.
Do I need a hurricane plan?
Many marine policies written in Florida ask for one: where the boat goes and who moves it when a storm is named.
Can I take the boat to the Bahamas or the Caribbean?
Only if the policy's navigation area includes them; that area is written into each policy.
Does a personal policy cover charters?
Usually not: chartering is commercial use, and it generally needs a policy written for it, and crew usually needs its own coverage.
More answers on our insurance blog.