Boat/Watercraft Insurance

At Enterprise Insurance Advisors, LLC in Lake Mary, FL, we take pride in knowing we can help insure our customers with whatever type of coverage they need. We carry many, with one being boat/watercraft insurance. You want to be able to spend as much time as you can on the ocean without having to worry about what may happen. If something were to happen, you could rest assured that you will be covered. We understand how important your boat is to you.

Legal Requirements for Insurance in Florida

There are no laws in the state of Florida that require boat or watercraft owners to carry insurance. However, on the other hand, if you took out a loan and used your boat as collateral, most of the time, the lender will require you to have insurance to cover any damages to your boat. You will be required, however, to have a boating safety identification card. You will also need to register your boat title with the state. Having certain safety equipment on board is a requirement.

Insurance Options

You can choose from different options depending on the type of watercraft or boat you own.

You can choose from:

  • All-risk coverage
  • Replacement cost coverage
  • Agreed value coverage

You may also want to add additional coverage to your watercraft. You can then select from the following:

  • Towing and roadside assistance
  • Bodily injury and property damage liability
  • Medical payments

Particular coverage provides protection against theft, vandalism, glass damage, fire, and much more. You can also get protection in the event you were to suffer a complete loss of your boat. Certain policies will replace your entire boat.


If you are looking for boat or watercraft insurance, visit us today. Here at Enterprise Insurance Advisors, LLC, we will work to make sure you get the amount of protection you need. We provide services to people that live in or near Lake Mary, FL. Visit our office for a quote today.