Boat Insurance Fort Lauderdale

As the Yachting Capital of the World, Fort Lauderdale is home to over 165 miles of inland waterways, bustling marinas, and high-traffic boating routes. Whether you own a sailboat, yacht, fishing boat, or personal watercraft, having boat insurance in Fort Lauderdale is essential to protect your investment, passengers, and financial security.

While Florida does not legally require boat insurance, many marinas, lenders, and docking facilities mandate coverage. Additionally, boating accidents, theft, and storm damage are common risks that could lead to expensive repairs or liability claims. At Morales Insurance Agency, we offer customized boat insurance policies designed for Florida boat owners, ensuring comprehensive protection on and off the water.

Our Boat Insurance Coverage in Fort Lauderdale

Fort Lauderdale’s waterways bring unique risks that can damage your vessel or result in liability claims. Our boat insurance policies offer full protection against unexpected incidents, ensuring peace of mind for boat owners.

  • Liability Coverage

    Protects you if your boat causes injury or property damage to others. Covers:

    • Medical expenses and legal fees if you’re found at fault.
    • Dock or marina damage caused by collisions.
    • Wreckage removal if required by law.

  • Physical Damage & Collision Coverage

    Pays for repairs or replacement if your boat is damaged due to:

    • Collisions with other boats, docks, or submerged objects.
    • Storms, hurricanes, and flooding (essential for Florida boaters).
    • Theft, vandalism, and fire.

  • Comprehensive Coverage (Non-Collision Damage)

    Protects against incidents beyond collisions, including:

    • Theft or break-ins at marinas or docks.
    • Fire, lightning, and storm-related damages.
    • Falling objects and animal-related damages.

  • Uninsured/Underinsured Boater Protection

    Covers injuries and damages if you’re in an accident with a boater who has little or no insurance.

  • Emergency Towing & Assistance

    • Pays for on-water towing, fuel delivery, or mechanical breakdowns.
    • Covers assistance if you’re stranded in Fort Lauderdale’s waters.

  • Personal Effects & Equipment Coverage

    • Protects fishing gear, GPS systems, and personal items onboard.
    • Covers damage or theft of custom upgrades and accessories.

Why Choose Morales Insurance Agency for Boat Insurance Fort Lauderdale?

Boat Insurance Fort Lauderdale

Florida-Specific Coverage & Hurricane Protection

  • We offer storm and hurricane coverage to protect against wind damage, storm surges, and flooding.
  • Flexible policies designed for year-round and seasonal boaters.

Coverage for All Types of Boats

  • Yachts, fishing boats, sailboats, speedboats, personal watercraft (Jet Skis), and pontoon boats.
  • Charter boats, commercial fishing boats, and rental vessels also covered.

Customizable Policies to Match Your Needs

  • Liability-only or full-coverage options.
  • Add-ons like wreck removal, pollution liability, and emergency towing.

Competitive Rates & Discounts

  • Multi-policy discounts when bundled with home or auto insurance.
  • Savings for boaters with safety courses, GPS tracking, and hurricane mooring plans.

Fast Claims Processing & Local Support

  • Dedicated Florida-based agents who understand Fort Lauderdale’s boating community.
  • Quick claims process to get you back on the water ASAP.

Get a Quote for Boat Insurance in Fort Lauderdale

Protect your boat, yacht, or personal watercraft with a customized boat insurance policy in Fort Lauderdale from Morales Insurance Agency. 

  1. Request a Free Quote – Fill out our online form or call us for a personalized boat insurance estimate.
  2. Consult with an Expert – Our Fort Lauderdale boat insurance specialists will assess your vessel, navigation area, and risks to create a tailored policy.
  3. Choose Your Coverage Options – Select from liability, comprehensive, collision, and hurricane protection coverage.
  4. Get Covered Fast – Once approved, your policy is active immediately, ensuring protection both on and off the water.

Frequently Asked Questions About Boat Insurance in Fort Lauderdale

Is boat insurance required in Fort Lauderdale?

No, boat insurance is not legally required in Florida, but many marinas, lenders, and docking facilities require proof of insurance before allowing access. Additionally, having boat insurance in Fort Lauderdale protects you from accidents, storm damage, and liability claims.

What types of boats can be insured?

We offer boat insurance in Fort Lauderdale for:

  • Yachts, sailboats, and fishing boats
  • Speedboats, pontoon boats, and personal watercraft (Jet Skis)
  • Charter boats, rental boats, and commercial fishing vessels

How much does boat insurance cost in Fort Lauderdale?

The cost of boat insurance depends on:

  • Boat type, age, and value
  • Usage and navigation areas (open ocean vs. inland waterways)
  • Coverage limits and deductible amounts
  • Owner experience and safety certifications

At Morales Insurance Agency, we provide competitive rates with flexible options to fit your budget.

How do I get a boat insurance quote?

Getting boat insurance in Fort Lauderdale is easy! Contact Morales Insurance Agency today for a customized quote. We’ll help you find the best coverage at the most affordable price so you can enjoy the water worry-free.

Get started on your boat insurance quote

To get started on your awesome boat quote from Morales Insurance Agency, click below.