Boat/Watercraft Insurance in Florida

On a beautiful, warm, and sunny day, the only thing on your mind is going out to relax on the water. Whether you`re using your boat to race, cruise, or fish, having the right boat and watercraft insurance is key to having memorable moments in your endeavor. Our Florida agency specializes in the writing of policies for boaters like you, so you can be certain that you receive the best coverage options.


Just like an automotive liability clause, our boat and watercraft liability coverage provides coverage for the third party (other boaters) if you`re responsible for an accident on the water. The liability coverage will cater for the other boater’s costs such as repair, or replacement of the boat. It also extends to other incurred expenses such as medical care, lost wages, and cost incurred.

Physical damage cover

This optional policy is tailored to take care of your boat, motor, or trailer. If you`re involved in an accident, and the vessel is damaged, our insurance agents in Florida will assess and determine the right amount of physical damage on your boat for compensation purposes.

Medical payments coverage

The medical payments coverage provides insurance for all related medical expenses. However, the medical expenses are only honored if you`re hurt on the water. Depending on the option you choose, the policy can also be extended to your passengers, and even other surfers and skiers, regardless of who is the cause of the accident.

Fuel Spill Liability and Wreckage removal

Even though the above policy is not common, it can be of importance in the event your boat sinks, has severe damages, or mechanical problems resulting in an oil leak. In most cases, the law requires you to clean up the mess which can be time consuming and expensive. A fuel spill policy can help you do the job while expending the least amount of energy.

Whether you've owned a boat for a short time or are a lifelong boater in Tallahassee, FL, you deserve the right policy at the right price. Get started today by requesting a boat and watercraft policy from Kingdom Tree Insurance Agency in Tallahassee, FL. Our agents can help you choose the policies that fit your needs and answer any questions you may have.