Florida Boat, Watercraft & Marine Insurance

Florida's coastline runs roughly 1,350 miles between the Atlantic and the Gulf, and add the intracoastal, the Keys, the St. Johns, Lake Okeechobee, and the Kissimmee chain and the cruising water multiplies. Florida First Insurance of Broward writes hull and liability coverage for runabouts, center consoles, sailing yachts, sportfishers, pontoons, PWCs, and houseboats — including agreed-value policies for vessels with significant electronics or repower investment.

The placement question for most clients is navigation territory, hurricane haul-out clause, and salvage language. Coastal slip storage during named-storm season often requires written haul-out plans for full coverage; trailerable boats kept on private property get different treatment than those at a public marina. We work both standard hull markets and the Lloyd's/specialty side for older wood hulls and high-horsepower outboards.

Yacht and small-craft policies bind across Miami-Dade, Broward, and Palm Beach in southeast Florida; Collier and Lee through Naples and Fort Myers on the Gulf; Sarasota and Manatee on the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk and Orange through the central lake country; Brevard and Volusia along the Atlantic; Seminole, Marion, and Alachua through the springs region; Duval up north; and Leon and Escambia in the Panhandle.

Boat insurance binds for owners in Fort Lauderdale, Miami, West Palm Beach, Boca Raton, Port St. Lucie, Fort Pierce, Melbourne, Palm Bay, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Winter Haven, Lakeland, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.