Hull, liability, towing, fuel spill. Center console or cruiser, we place it with carriers that write Florida waters instead of avoiding them.
I can put together a boat quote right here — a few quick questions, about two minutes.
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Agreed value or actual cash value — the difference shows up the day you have a total loss.
Damage to other boats and docks, plus the removal costs nobody thinks about.
Federally mandated cleanup costs can dwarf the value of the boat itself.
A tow back to the ramp costs hundreds out of pocket. On a policy it costs almost nothing.
Written for Florida water. Click a hotspot to see what each part does.
Grounding, storm damage, fire and engine loss are the expensive events, and the engine is often half the value of the boat.
Hull coverage repairs or replaces the vessel and its machinery after a covered loss. Agreed value avoids an argument about depreciation later.
A collision on the water, a swimmer struck by a propeller, or damage to a dock can create a claim far beyond the value of the boat.
Watercraft liability answers covered injury and damage claims, and it is what marinas and lenders actually check.
If your boat sinks, you are legally responsible for removing it — and removal frequently costs more than the boat is worth.
Wreck removal carries its own limit on the policy. It is the single most underestimated number on a marine quote.
Many losses happen on the road or at the ramp, not on the water, and the trailer itself is sometimes insured by nobody.
We confirm where the trailer sits — boat policy, auto policy, or neither — before you tow anything.
A fuel spill triggers federal liability, and running outside your policy's navigation limits can void coverage for the entire trip.
Fuel-spill liability is a standard part of a proper marine policy, and we set navigation limits around where you actually go — the Bahamas usually needs an endorsement.
The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.
…and a few more. Average time: under two minutes.
Not a lead broker, not a call center. Your answers go straight into our agency system.
Including the ones that never show up on comparison sites.
By email or text, whichever you picked. No pressure, no endless calls.
Ava starts it. A licensed agent finishes it.
Independent agency licensed in FL · IL · MN. We compare 50+ carriers and place the policy that actually fits — no call center, no quote farm.
4700 Millenia Blvd, Suite 500
Orlando, FL 32839
Mon–Fri 9 AM–5 PM
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