Boat Insurance Myths Florida Boaters Still Believe
South Florida is famous for world-class boating, from deep-sea fishing off Jupiter to sandbar days in Tequesta and waterfront cruising through Palm Beach Gardens, Juno Beach, Hobe Sound and Stuart. But along with the fun comes the responsibility of keeping your boat properly protected.
At Jupiter-Tequesta Insurance Services, we work with boaters across Jupiter, Tequesta, Palm Beach Gardens, Juno Beach, North Palm Beach, Hobe Sound, Stuart, and the surrounding areas. And we see the same costly misconceptions over and over again.
Myth 1: “My homeowners insurance covers my boat.”
Homeowners insurance rarely provides real boat coverage — especially for anything with horsepower. Most Florida boats need hull coverage, liability, wreck removal, fuel spill coverage, salvage, and on-water towing. A dedicated boat policy does what homeowners insurance can’t.
Myth 2: “My boat is safe in storage — insurance isn’t necessary.”
Dry docks and marinas in Jupiter, Tequesta, Palm Beach Gardens, and Hobe Sound see storm damage, fire, theft, vandalism, and trailer damage. Storage facilities don’t cover these losses — you need a marine policy.
Myth 3: “My policy covers me no matter where I go.”
Every policy has a navigation zone. Many restrict you to Florida-only waters, the Intracoastal, or 25 miles offshore. If you’re boating to the Bahamas, Stuart sandbars, Hobe Sound Bridge, or down to Palm Beach, you need proper navigation limits.
Myth 4: “Small boats don’t need real insurance.”
Even small skiffs cause expensive damage. Liability alone can save you tens of thousands in the event of an accident.
Myth 5: “Marine insurance is too expensive.”
Most Florida boaters are surprised at how affordable the right marine policy is — and discounts are available.
Protect Your Boat Wherever You Go
Whether you’re running out of Jupiter Inlet, fishing near Tequesta, or cruising toward Stuart, we’ll help you stay protected on the water.
Call today! 561-951-7441