Living in Florida means being surrounded by the Atlantic Ocean, the Gulf, and multiple bodies of freshwater. For many people in our state, owning a boat or other watercraft is a dream come true. However, it’s vital to protect your investment with boat insurance. Best One Insurance offers comprehensive coverage options tailored to your needs.

When purchasing boat insurance, there are several coverage options to consider. These include:

  • Liability Insurance: This coverage protects you if you are found at fault for an accident on the water. It can cover costs related to bodily injury and property damage suffered by others.
  • Boat Coverage: Boat maintenance and repairs can be costly, and boat coverage can help get your boat fixed after damage. There are three basic types of coverage to consider: collision, comprehensive, and on-water towing.
  • Medical Coverage: This coverage can help with costs related to injuries you may suffer in a boat crash. It’s essential to check your health insurance policy before considering additional medical coverage.


When choosing a boat insurance policy, it’s important to consider several factors, including:

  • Navigational Area: Know where you are covered in the water. In Florida, coverage for additional areas can be purchased.
  • Agreed Value Coverage: This coverage ensures that you receive the value you insured your boat for, minus any deductible, in the event of a total loss.
  • Uninsured/Underinsured Watercraft Bodily Injury: This coverage is key in case you are hit by an uninsured or underinsured boater and are injured.
  • Emergency Assistance: This coverage provides towing, labor, and delivery of gas, oil, or loaned battery if your boat becomes disabled while on the water.


There are different factors that insurance companies consider when determining how much a boat insurance policy premium will be. This includes: Where You Boat, the Age of Your Boat, Length/Size of Your Boat, Type of Boat, Primary Location of Boat, Speed of the Boat, Driving Record of the Owner, Liability Limits, and Deductibles.

At Best One Insurance, we understand the importance of protecting your boat and livelihood. We offer various boat insurance coverage options to fit your needs and budget. Contact us today to learn more and get a quote.

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