Boat & Marine Insurance in Florida
Boat insurance for Florida waters, from Fort Lauderdale to the rest of South Florida. Specialized marine coverage for everything from personal watercraft to luxury yachts, built around how and where you navigate.
The boating capital of the world
Florida's coastline runs from the high-speed corridors of the Atlantic to the calm shallows of the Gulf, and it demands more than a standard policy.
At Miami Premier Insurance, we provide specialized marine protection. Our coverage accounts for Florida's high-density traffic, year-round sun exposure, and the seasonal navigation requirements of the Caribbean basins.
Marine coverage built for your vessel
Hull Coverage: Agreed Value vs. ACV
Most insurers offer Actual Cash Value, which depreciates daily. We specialize in Agreed Value policies, so a total loss pays the full insured amount without depreciation. Ideal for luxury yachts and custom sportfishers.
- check_circle New-for-old parts replacement
- check_circle Specialized marine salvage coverage
Liability & Marina Indemnity
Protection for third-party property damage and bodily injury that exceeds the requirements of Florida's most exclusive marinas.
Personal Effects
Coverage for fishing gear, scuba equipment, and onboard electronics.
Uninsured Boater
Florida's waters are busy. We protect you from operators who carry insufficient or no coverage.
Towing & Assistance
On-water assistance and emergency towing throughout the Florida coast and the Bahamas.
Boundless horizons, defined limits
Our policies are built for the Florida navigator. We provide standard coverage for:
Atlantic Coast
Full coastal coverage from Jacksonville to Key West.
The Bahamas
Seasonal and year-round endorsements available.
Gulf of Mexico
Extended coverage for Gulf coast navigation.
Lay-up Clauses
Reduced premiums during off-season storage.
Named storm protection
In Florida, hurricane preparedness isn't optional. We offer Hurricane Preparation Reimbursement for vessel haul-outs and professional storm-mooring. Our named-storm lay-up clauses reward proactive owners with reduced premiums during the off-season.
The path to protection
Provide Details
Submit your vessel specifications and navigational experience online.
Custom Analysis
Our underwriters craft a policy matching your specific nautical footprint.
Instant Activation
Bind your coverage instantly and receive digital binders for your marina.