Boat Insurance Requirements in Florida
Located in Jupiter. Serving all of Palm Beach & Florida
Florida leads the nation in registered boats. While boat insurance is not always legally required, most boat owners benefit from proper marine coverage.
Boat insurance may be required if your vessel is financed or your marina requires proof of coverage.
A comprehensive marine policy may include physical damage, liability coverage, medical payments, uninsured boater protection, trailer coverage and personal effects.
Boat owners in Jupiter and Tequesta face unique risks including hurricane exposure, saltwater corrosion and heavy Intracoastal traffic.
Agreed value policies pay the insured value in a total loss while actual cash value policies factor in depreciation.
Jupiter-Tequesta Insurance helps local boat owners find appropriate marine protection.
Frequently Asked Questions
Is boat insurance legally required in Florida?
Florida does not generally require insurance for recreational boats but lenders and marinas often do.
What liability limits should Florida boat owners carry?
Many owners choose higher limits due to the potential cost of accidents.
Does boat insurance cover hurricane damage?
Many policies include storm protection but may have specific requirements.
What is agreed value boat insurance?
It pays the insured value in a total loss rather than a depreciated amount.
Do I need separate trailer coverage?
In many cases trailer coverage must be added separately.
Why Jupiter-Tequesta Insurance Is a Trusted Local Resource
Insurance needs in Palm Beach County are different from many other parts of the country. Coastal weather exposure, hurricane deductibles and rising rebuild costs all require careful policy planning.
Jupiter-Tequesta Insurance works with homeowners, drivers and boat owners throughout Jupiter, Tequesta and surrounding communities to help identify appropriate coverage options across multiple carriers.
Clients choose our agency because we provide:
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Personalized coverage reviews
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Access to multiple insurance carriers
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Local knowledge of Florida risks
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Guidance tailored to your property and lifestyle
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Ongoing policy support as your needs change
Our goal is to help you make informed insurance decisions with confidence.
Need Help Reviewing Your Coverage
If you have questions after reviewing these guides, the Jupiter-Tequesta Insurance team is here to help. We provide personalized insurance reviews for clients throughout Jupiter, Tequesta and Palm Beach County.
Why Choose Jupiter-Tequesta Insurance?
Locally owned independent insurance agency
Specializing in residental and commercial Florida insurace.
Personalized service from real people—never a call center
Flexible policies for homes and businesses
Trusted by homeowners & businesses throughout Florida