Specialized Boat Insurance Cape Coral, FL, Boaters Rely On
You bought your boat to enjoy freedom on the water—not to worry about what happens if something goes wrong. But Florida’s waterways are unpredictable. Theft, hurricanes, and uninsured boaters can put your investment and safety at serious risk. And no—your homeowners policy doesn’t cover it. Many boat owners find out the hard way that they’re underinsured after a collision, storm, or accident. At that point, it’s too late.
FLB Insurance Agency, based in Cape Coral and serving all of Florida, provides customized boat insurance that protects you, your passengers, and your watercraft. With access to over 200 carriers, we shop for the best coverage at the most competitive rate—so you can focus on the water, not the what-ifs. Call us now for your free boat insurance quote.
Comprehensive Boat Insurance Services for Florida Vessels
Florida waters offer beauty, recreation, and risk in equal measure. That’s why FLB Insurance Agency builds fully customized boat insurance policies that do more than check boxes—they safeguard your investment, your passengers, and your peace of mind.
We partner with many insurance carriers to find you the best combination of price and protection, with options for boats of all shapes and sizes, including:
- Fishing boats
- Pontoons
- Personal watercraft (Jet Skis, Wave Runners)
- Sailboats and yachts
- Speedboats and wakeboard boats
- Commercial watercraft (on request)
Common Coverage Options Include:
- Physical Damage Coverage – For loss due to fire, theft, collision, or sinking.
- Liability Protection – If you're found legally responsible for damage or injuries while operating your boat.
- Uninsured Boater Coverage – Protects you if you're hit by someone without proper insurance.
- Medical Payments – Covers medical bills for you and your passengers.
- Personal Effects Coverage – Covers items like fishing gear, electronics, and life jackets.
- Towing and Assistance – Emergency services if your boat breaks down on the water.
- Wreck Removal & Fuel Spill Liability – Required in many marinas and vital after an accident.
Each policy is tailored to your vessel's size, use, value, and location. Whether you own a fishing boat, pontoon, speedboat, or jet ski—we'll make sure it's protected.
Why Hire a Professional Boat Insurance Agent in Florida
Florida boating laws and risks are complex. From hurricane zones to uninsured marinas, the average policyholder can miss critical details that lead to denied claims or insufficient coverage. At FLB Insurance Agency, we specialize in Florida marine insurance. We break down your policy, compare over 200 carriers, and help you understand exclusions like hurricane deductibles and liability limits. We work for you, not the insurer—so you get the most value with zero guesswork.
Why Boat Insurance Matters in the Sunshine State
Florida has more registered boats than any other state—and more risk. With year-round storms, theft hotspots, and crowded waterways, proper boat insurance isn’t optional.
A single mishap could mean thousands in out-of-pocket repair costs or legal claims. The right policy:
- Safeguards your investment
- Covers you against third-party injury or property damage
- Protects your passengers and equipment
- Offers peace of mind every time you leave the dock
Boat insurance isn’t legally required in Florida—but going without it could cost you everything.
Frequently Asked Questions (FAQs) – Florida Boat Insurance
Q: Is boat insurance required in Florida?
A: No, but it’s strongly recommended. Florida doesn’t mandate boat insurance, but marinas and lenders may require proof of coverage.
Q: Does my homeowners insurance cover my boat?
A: In most cases, only limited coverage applies. A separate boat policy ensures full protection for your vessel and equipment.
Q: What types of boats do you insure?
A: We cover fishing boats, pontoon boats, jet skis, personal watercraft, yachts, sailboats, and more.
Q: Can I get coverage for storm damage or flooding?
A: Yes. We offer policies that include storm, flood, and hurricane protection—essential for Florida boaters.
Ready to Get Covered?
Call FLB Insurance Agency today for a fast, customized quote. We insure boaters in Cape Coral and across the entire state of Florida.
