Florida Boat Insurance

Whether you’re cruising the Intracoastal Waterway, heading offshore for a fishing trip, or enjoying a weekend pontoon ride with the family, your boat is more than just a vessel — it’s your ticket to adventure. Cronin Insurance Agency helps Florida boat owners protect their investment with customized boat insurance coverage designed for every type of watercraft.

Why You Need Boat Insurance in Florida

Florida’s waterways are beautiful, but they come with risks. From hurricanes and tropical storms to boating accidents, theft, or damage at the dock, unexpected events can be costly. Boat insurance provides:

• Liability Protection: Covers injuries or damage caused to others while operating your boat.
• Physical Damage Coverage: Protects your boat, motor, trailer, and equipment from accidents, storms, or theft.
• Legal Assistance: Pays for legal fees if you’re sued after an accident on the water.
• Peace of Mind: Enjoy your time on the water knowing your assets are protected.

Types of Boats We Insure

Every boat is different, and so are the risks. Cronin Insurance offers coverage for a wide range of watercraft, including:

• Center-console fishing boats
• Pontoons and party boats
• Cabin cruisers and yachts
• Jet-skis and personal watercraft
• Houseboats and small sailboats

No matter your boat type or how often you use it, we tailor coverage to match your lifestyle and waterfront adventures.

Boat Insurance Coverage Options

We don’t believe in cookie-cutter policies. Depending on your vessel and usage, your boat insurance can include:

• Collision & Comprehensive Coverage: Covers damage to your boat, motor, or trailer from accidents, storms, or fire.
• Liability Coverage: Protects you if someone is injured or property is damaged while using your boat.
• Towing & Assistance: Includes on-water towing and emergency services if your boat breaks down or is stranded.
• Accessory Coverage: Protects fishing equipment, life jackets, electronics, and other onboard gear.
• Fuel Spill Liability: Helps pay for cleanup if fuel escapes into the water.
• Hurricane & Storm Protection: Provides coverage for damage caused by tropical storms and hurricanes.

Why Choose Cronin Insurance?

At Cronin Insurance, we’re Florida natives who understand the unique challenges of boating in our state. Here’s why boat owners trust us:

• Personalized Coverage: We tailor policies to your vessel, usage, and lifestyle.
• Multiple Carriers: Our independent agency compares dozens of insurers to find the best coverage and rates.
• Decades of Experience: Serving Florida boaters since 1993 with expert advice and support.
• Claims Advocacy: We guide you through the claims process to make recovery smooth and stress-free.

Frequently Asked Questions (FAQ)

Do I need boat insurance in Florida?

Florida doesn’t legally require boat insurance, but most lenders, marinas, and docks do. Even if it’s not mandatory, coverage protects you from financial losses after accidents, storms, or theft.

What if my boat is only used seasonally?

Seasonal or trailerable boats can be insured year-round or just for the months you’re on the water. We can help you adjust coverage based on usage to save money.

Does my homeowners or auto insurance cover my boat?

Typically, no. Homeowners or auto policies exclude watercraft liability and damage. A dedicated boat policy ensures you’re properly protected on the water.

Can I insure accessories and electronics?

Yes. Your policy can include coverage for fishing gear, GPS, safety equipment, and other onboard accessories.

Get Your Florida Boat Insurance Quote Today

Protect your boat and enjoy peace of mind on the water. Call Cronin Insurance Agency at 561-479-1898 or visit our website to request a free boat insurance quote today.