Whether you're cruising the St. Johns River, fishing off Fernandina Beach, or jet skiing near Ponte Vedra, boating in North Florida is all about freedom and fun. 🛥️
At Augustyniak Insurance Group, we’ve been helping Florida boaters stay protected since 2005. With over 2,000 5-star Google reviews, we’re proud to be one of Jacksonville’s most trusted insurance agencies.
Let’s walk through what boat insurance covers—and how we make it easy.
Every policy is a little different, but here are the key protections we recommend for boats, jet skis, and personal watercraft (PWC):
This covers damage from storms, collisions, fires, and theft. It includes the hull, motor, trailer, and permanently attached gear like fish finders or trolling motors.
If you’re at fault in a boating accident, liability covers injuries or property damage to others. This is especially important if you boat in busy areas like the Intracoastal or dock at a marina.
Pays for medical bills if someone gets hurt—whether it’s a friend, family member, or water skier you’re towing. Coverage is available up to $10,000.
Florida doesn’t require boat insurance, so many boaters are uninsured. This protects you if you’re hit by one and suffer injuries or damage.
If your boat sinks or leaks fuel, you're responsible for cleanup. This helps cover environmental cleanup costs and keeps you compliant with the law.
Jet skis are fast, fun—and more accident-prone. That’s why we recommend PWC insurance that covers physical damage, liability, and emergency assistance.
Yes. Jet skis are usually not covered under boat or homeowners policies. A separate PWC policy ensures full protection—especially if someone else rides it.
Ready to protect your boat, jet ski, or PWC with the right coverage? Get a fast, no-pressure quote from our friendly Jacksonville team today.
Start My Boat QuoteLearn how bundling with your Florida home insurance can offer better protection and discounts.
Many policies start at under $1 per day. Pricing depends on:
We shop top carriers like Progressive, Auto-Owners, and Travelers to find you the best rate—without the runaround.
Florida law doesn’t require it, but many marinas and lenders do. More importantly, boat insurance protects your investment and provides peace of mind—even when something goes wrong out on the water.
We’re not a 1-800 number. We’re real people, right here in Jacksonville. From Fernandina Beach to Green Cove Springs, we understand Florida’s waterways and coverage needs better than anyone else.
We’ve been serving the North Florida boating community since 2005—and we’re proud to be the go-to agency for thousands of Floridians who want personal service with professional results.
Join the thousands of Florida boaters who trust Augustyniak Insurance Group for exceptional service and reliable coverage.
No, but it's strongly recommended—and often required by marinas or lenders.
Most Florida boaters pay between $300–$600/year, depending on vessel type and usage.
Yes, if you carry physical damage coverage. Your policy can also include towing, salvage, and wreckage removal.
Absolutely. We write standalone PWC policies that cover collision, liability, and more.
We serve all of Florida, with a focus on Jacksonville, Orange Park, St. Augustine, Middleburg, Fernandina Beach, and nearby areas.
You may also like our guide to Florida homeowners insurance — especially if you dock your boat at your property or bundle coverage to save on both your home and watercraft insurance.
Boating should be fun, not stressful. Let us help you protect what matters most—so you can enjoy more time on the water and less time worrying.
Contact us or request your free boat insurance quote now. We’re here when you need us, from the first wave to the final dock.
Don’t wait until after something happens. Get peace of mind today from a local Florida agency that understands your needs.
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