Boat Insurance in Fort Myers, FL

Navigate Florida Waters with Confidence

We offer comprehensive, affordable coverage to protect your boat on and off the water—from Gulf Coast cruises to Caloosahatchee fishing. Boating in Florida brings risks like storms and theft that standard insurance won’t cover.

Understanding Boat Insurance in Florida: What You Need to Know

Boat insurance in Florida is a specialized policy designed to protect your watercraft, passengers, and finances from the unique risks of boating in the Sunshine State. Unlike auto or homeowners insurance, Boat Insurance in Florida covers damages and liabilities specific to your vessel, whether you’re navigating the open water or storing it on land. Here’s what it typically includes:

Physical Damage Coverage

Repairs or replaces your boat, motor, and trailer if damaged by collisions, storms, theft, or vandalism—on water or off.

Liability Coverage

Pays for injuries or property damage you cause to others while boating, including legal fees if you’re sued.

Medical Payments

Covers medical expenses for you, your passengers, or water skiers injured in an accident, regardless of fault.

Uninsured Boater Protection

Shields you from costs if an uninsured or underinsured boater damages your vessel or injures you.

Towing and Assistance

Helps with on-water towing, fuel delivery, or roadside assistance if your boat or trailer breaks down.

Florida’s year-round boating season, coupled with its hurricane-prone climate, makes Boat Insurance in Florida a must. From sudden squalls to dockside theft, your vessel faces risks that only a dedicated policy can address.

Why Boat Insurance is Essential in Fort Myers, Florida

Fort Myers is a boater’s paradise, with access to the Gulf of Mexico, inland waterways, and marinas aplenty. But paradise has its perils, and Boat Insurance in Florida from Cassidy Insurance Group ensures you’re ready for them:

Hurricanes and Storms

Florida’s hurricane season (June–November) brings high winds and storm surges that can damage boats in the water or on land.

Collisions and Accidents

With over 1 million registered boats in Florida—the highest in the U.S.—accidents on busy waterways like the Gulf or Fort Myers Beach are common.

Collisions and Accidents

With over 1 million registered boats in Florida—the highest in the U.S.—accidents on busy waterways like the Gulf or Fort Myers Beach are common.

Environmental Risks

Fuel spills or wreckage from a sunken boat can lead to costly cleanup fees—coverage can protect you from these liabilities.

Year-Round Use

Unlike northern states, Florida’s mild climate means boats are used (and exposed to risk) all year, increasing the need for constant protection.

Boat Insurance Coverage Options

Coverage Tailored for Fort Myers Drivers

Living in Fort Myers means enjoying coastal beauty, but it also brings specific challenges. We offer comprehensive coverage options to protect you against local risks, including:

Coverage Limits Vary

Policies can cap at $250,000 (NFIP-style) or offer higher limits with private insurers—Cassidy finds the right fit for your boat’s value.

On-Water and Off-Water Risks

Comprehensive plans cover your boat whether it’s cruising, docked, or trailered—essential for year-round Fort Myers boaters.

Discounts Available

Safe boating courses, multi-policy bundles, or newer boats can lower your premium—let us maximize your savings.

Cassidy Insurance Group ensures you’re equipped with the knowledge and coverage to boat confidently.

Take the Helm: Get Your Free Boat Insurance Quote

Get Your Free Quote Today

Call us At (239) 340-7668

FAQ

People Ask:

Do I need boat insurance in Fort Myers, Florida?

Florida doesn’t require boat insurance by law unless your vessel is financed or stored at a marina that mandates it. However, with Fort Myers’ busy waterways, hurricanes, and theft risks, it’s a smart choice to cover costly damages or liability.

What isn’t covered by boat insurance?

Exclusions often include wear and tear, mechanical breakdowns (unless added), damage from marine life (e.g., barnacles), and losses before your policy starts. Check your policy for specifics.

How much does boat insurance cost in Fort Myers?

Costs depend on your boat’s size, value, and use. In Fort Myers, premiums typically start at $300–$500 annually for basic coverage, rising for yachts or high-risk use. Discounts for safe boating or bundling can lower rates.

Can I get boat insurance for a jet ski or small vessel?

Absolutely! Policies cover all watercraft—jet skis, pontoons, fishing boats, or yachts. We tailor coverage to your vessel, whether it’s docked or trailered in Fort Myers.

What happens if I don’t have boat insurance and something goes wrong?

You’ll pay for repairs, replacements, or liability out of pocket. A single collision or storm can cost $10,000+—far more than an annual premium. Uninsured boaters also risk legal and financial headaches.

Need Help? We're Here for You!

Got questions about your coverage options or need help finding the right plan? Don’t go it alone—reach out today and let us guide you to the coverage and peace of mind you deserve.