Services

Boat/Watercraft Insurance

Protect Your Fun on the Water with Coverage You Can Trust

Whether you’re cruising the Intracranial, fishing off the Keys, or anchoring near the sandbar, boating in Florida is a way of life. But sun and saltwater aren’t the only things you’ll encounter — storms, theft, and liability risks make boat insurance more than a luxury. It’s a smart move for every responsible boat owner.
At Venture Insurance Partners, we provide comprehensive, customizable watercraft insurance for Florida boaters — backed by real people who understand your lifestyle.

What Does Boat Insurance Cover?

We tailor coverage for all types of watercraft, from bass boats to center consoles, jet skis to yachts. Policies can include:

Physical Damage Coverage. Pays to repair or replace your vessel if it’s damaged by collision, sinking, fire, storm, or vandalism.
Liability Protection. Covers bodily injury or property damage if you’re at fault in an accident on the water.
Medical Payments. Pays for medical expenses if you or your passengers are injured, regardless of fault.
Uninsured/Underinsured Boater. Protects you if you’re struck by someone who doesn’t have adequate coverage.
Personal Property & Equipment. Covers gear like fishing equipment, electronics, life vests, and navigation systems.
Towing & Emergency Assistance. Get help on the water if your boat breaks down or needs to be towed to shore.

Optional endorsements include:

Hurricane haul-out reimbursement
Trailer coverage
Pollution liability
Agreed value (vs. actual cash value)
Fuel spill liability

Why Florida Boaters Choose Venture Insurance Partners

Local Knowledge of Florida’s Boating Risks. From hurricanes to shallow waterways, we know what Florida boaters face — and we build policies to match.
Coverage for All Types of Boats. We insure center consoles, jet skis, pontoon boats, sailboats, fishing boats, yachts, and more.
Access to Top-Rated Marine Carriers. We shop multiple marine insurers to find the best rate and coverage for your vessel.
Fast Claims & Friendly Support. If the unexpected happens, we help you navigate the claims process so you can get back on the water.

Why Boat Insurance Matters in Florida

Homeowners policies typically don’t cover watercraft damage away from your property.
Florida has one of the highest rates of boating accidents in the U.S.
Many marinas and storage facilities require proof of insurance.
Tropical storms and hurricanes pose real threats—especially if your boat is stored outside or in-water.
Liability on the water can be financially devastating if you’re not adequately covered.