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.

⚓ What Does Boat Insurance Cover?

Every policy is a little different, but here are the key protections we recommend for boats, jet skis, and personal watercraft (PWC):

Hull & Physical Damage

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.

Liability Insurance

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.

Medical Payments

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.

Uninsured/Underinsured Boater

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.

Fuel Spill & Wreckage Removal

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 Ski & Personal Watercraft Coverage

Jet skis are fast, fun—and more accident-prone. That’s why we recommend PWC insurance that covers physical damage, liability, and emergency assistance.

Do Jet Skis Need Their Own Policy?

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.

Learn how bundling with your Florida home insurance can offer better protection and discounts.

💸 How Much Does Boat Insurance Cost in Florida?

Many policies start at under $1 per day. Pricing depends on:

• Boat size, speed & value
• Where you use or store it (e.g., marina vs. home dock)
• Your experience and claims history

We shop top carriers like Progressive, Auto-Owners, and Travelers to find you the best rate—without the runaround.

📍 Do I Need Boat Insurance in Florida?

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.

🤝 Why Work With a Local Jacksonville Agent?

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.

❓ Frequently Asked Questions

Is boat insurance required in Florida?

No, but it's strongly recommended—and often required by marinas or lenders.

How much does it cost?

Most Florida boaters pay between $300–$600/year, depending on vessel type and usage.

Does it cover theft or sinking?

Yes, if you carry physical damage coverage. Your policy can also include towing, salvage, and wreckage removal.

Can I insure my jet ski?

Absolutely. We write standalone PWC policies that cover collision, liability, and more.

Where do you provide service?

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.

Let’s Keep You Covered ⛵

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.

Get a Free Boat Insurance Quote