Protect Your Boat — And Your Time on the Water

Owning a boat is all about enjoying freedom on the water — but it comes with risks. Just like cars on the road, boats face accidents, weather damage, and liability issues. With the right boat insurance, you can focus on the fun, knowing you're protected against unexpected challenges.

Why Boat Insurance Matters

Essential Coverage for Every Captain

When you’re out on the Gulf or cruising along local waterways, accidents and unexpected events can happen fast. Boat insurance helps cover damage to your vessel, medical expenses, and liability claims if you cause injury or property damage. At St. Andrews Insurance, we help you build a policy that keeps you safe and stress-free on every trip.

A man is sitting at the steering wheel of a boat.

What Boat Insurance Covers

Physical Damage

Covers damage to your boat, motor, and attached equipment from collision, fire, theft, vandalism, wind, hail, and more.

Medical Payments

Pays for medical costs for you and your passengers if you're injured in a boating accident.

Liability Coverage

Protects you if you’re responsible for injuries to others or damage to their property while operating your boat.

Guest Passenger Liability

Covers expenses if someone you allow to operate your boat causes an accident.

Additional Options

  • Salvage coverage
  • Pollution liability
  • Trailer towing coverage
  • Agreed value coverage (for total loss scenarios)
  • Personal effects coverage
  • Fishing equipment coverage


Did you know? You can often bundle your boat insurance with your home or auto policy to save money and simplify your coverage.




Questions We Hear Most — With Answers

A boat is floating on top of a large body of water.
A man and a woman are sitting on a boat in the ocean.

  • Why do I need boat insurance?

    Boating has similar risks to driving — collisions, liability claims, and costly damage. Boat insurance helps protect your investment and covers medical bills or legal expenses if something goes wrong.

  • What is covered under boat insurance?

    Policies generally include:


    • Physical damage to your boat and equipment
    • Medical payments for injuries on board
    • Liability for bodily injury or property damage to others
    • Guest passenger liability
    • Additional options are available for towing, personal belongings, and more.

  • How much boat insurance do I need?

    The right amount depends on your boat’s value, how you use it, and your financial risk tolerance. We’ll help you determine coverage limits that protect your assets and match your needs.

  • Is boat insurance required in Florida?

    Boat insurance isn’t legally required for recreational use in Florida, but it may be required if you finance your boat. Regardless, having coverage is highly recommended to protect against major out-of-pocket expenses.

  • Can I let friends drive my boat?

    Yes, but your policy should include guest passenger liability coverage. We’ll help make sure you’re protected even when someone else is at the helm.

  • Does boat insurance cover fishing gear and personal items?

    Many policies offer optional coverage for fishing equipment and personal effects on board. We can include these protections in your custom policy.

  • Why choose St. Andrews for boat insurance?

    We know the local waterways and understand Florida boating risks inside and out. Our team provides clear guidance, fast service, and coverage that feels personal — not one-size-fits-all.

Local Help, Real Answers

Enjoy the Water, Worry-Free

At St. Andrews Insurance, we make boat insurance easy and supportive. You’ll get one-on-one help, a policy built for your adventures, and local experts who truly understand what matters most when you're on the water.

A man is jumping off a sailboat into the ocean.