Boat Insurance Florida | Do You Need Watercraft or Jet Ski Insurance?


Florida offers the perfect environment and climate for boating, so it’s no surprise that the Sunshine State is home to many boat and personal watercraft owners. American Integrity Insurance offers watercraft insurance to protect your investment while enjoying Florida’s many waterways and coastal regions, as all as while your boat is in storage or being trailered.

If you haven’t considered boat insurance yet, now’s the time to explore your options.

Related Post: 5 Questions to Ask Before Getting Boat Insurance

Who Needs Small Boat Owner Insurance?

Many Florida residents wonder if they need insurance for smaller boats or personal watercraft. It’s a great idea to protect your investment and your loved ones, plus boat insurance is affordable and there are coverages to fit many styles and sizes of watercraft, including:

  • Monohull Sailboats
  • Jet Skis
  • Waverunners
  • Bass Boats
  • Pontoon Boats
  • Runabouts
  • Cruisers
  • Driftboats
  • Center Console Boats

American Integrity offers coverages that include hull and liability coverage, or just liability coverage. We can also cover your boat for Agreed Hull Value basis or on an Actual Cash Value basis. Optional coverages include uninsured boaters, trailer coverages, up to six watercrafts on the same policy, and Jet Skis or Waverunners can be insured on a standalone basis.

Supplemental coverages are available for medical payments, personal effects, mechanical breakdowns, rental boats and Bahamas trips. We also offer discounts for experience, safety courses completed, multiple policies and more.

Protect Your Family and Watercraft in Florida

Boats and personal watercraft provide the opportunity for many hours of fun in the sun and waves throughout Florida, but there’s always the risk of an accident occurring. Not every operator has experience with handling a boat and some boaters take chances on the water, such as operating a watercraft while impaired by drugs or alcohol, speeding or not observing the rules and laws of the water.

Related Post: Boating Safety Tips

Contact us today at American Integrity Insurance if you are a Florida boat owner or are looking into purchasing personal watercraft. We can help you design the best custom coverage for your needs and budget.


American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurancecondo insurancerenters insurance, and the special coverage required for vacant homesmanufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insuranceumbrella insurancegolf cart insuranceboat insurancecyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.