Watercraft Insurance

What is watercraft insurance?

Watercraft insurance protects you and your vessel from accidents, theft, vandalism, and personal liability.

Whether you are the proud owner of a boat, yacht, personal water craft, sailboat or are a prospective buyer, one of our helpful agents at JAV Insurance are eager to assist you in obtaining the best watercraft insurance policy at the right price.

Simply call our offices at 305-252-1009 or click here to get an online quote.

What does Florida Boat Insurance cover?

Most boat policies cover physical damage to the hull, sails, machinery, furnishings, and most other equipment that is normally used on board. Most dangers are covered including vandalism, malicious mischief, and damage which results from collision or sinking.

Insurance needs differ depending on the type, age, or value of the boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded.

What about Liability Coverage for my watercraft policy?

You are also insured against liability losses. You are covered for any damages that may occur as a result of a collision with another boat, yacht, personal water craft, sailboat or dock. You are also covered in the unfortunate case that your watercraft is the cause of bodily injury or death to another person while operating your vessel.

Under most watercraft policies, the boat trailer is also covered against physical loss or damage from any external cause.

What additional coverage is included on a watercraft policy?

There are several options you may choose in case you feel the need for additional coverage. You may purchase coverages such as:

  • Coverage for your personal property
  • Coverage for your fishing equipment
  • Coverage against injury to you caused by an uninsured boater

What type of watercraft can I have insured?


  • Bow Rider
  • Center Consoles
  • Cuddy Cabin
  • Walk Around
  • Ski Boats
  • Pontoon
  • Jet Boats
  • Sailboat
  • Bass Boats

Personal Water Craft (PWC)

  • Jet Ski, WaveRunner, Sea Doo

Is my watercraft covered when it's not in the water?

Your watercraft will be covered only if you have physical damage (comprehensive and collision) coverage. All other coverages such as Liability, Uninsured Motorist and Medical Payments coverages only come into effect when your boat is in the water.

What happens if I get into an accident while towing my watercraft? Who pays for the damages?

If your watercraft is damaged, its policy will handle the loss only if you have physical damage (comprehensive and collision) coverage on your policy.

Give us a call at our offices at 305-252-1009 or click here to get an online quote.