Boat & Watercraft Insurance

South Florida is a boater's paradise, and at B & B Insurance Agency, we've been helping Palm Beach County boat owners protect their watercraft since 1998. Whether you own a personal watercraft, fishing boat, sailboat, or yacht, our experienced agents will help you find comprehensive coverage that fits your needs and budget. Did you know that most homeowners or renters insurance policies provide only limited coverage for small boats with less than 25-horsepower motors? For all other boats, you'll need a separate boat insurance policy. Even if your small boat has some homeowners coverage, a dedicated boat policy provides much broader protection.

Boating exposure is hyper-local in South Florida. We tailor coverage to where you actually keep and operate your boat: Riviera Beach & Singer Island: Riviera Beach is the marina capital of Palm Beach County — Rybovich, Sailfish Marina, and direct Lake Worth Inlet access make this our highest-volume boat-insurance ZIP. Yacht policies, hurricane haul-out coverage, and inlet-area navigation endorsements matter most here. West Palm Beach & Palm Beach: Mix of dock-stored boats on the Intracoastal, dry-stack storage along the Flagler Drive corridor, and yachts kept at private docks. Most policies need agreed-value hull coverage plus salvage. Lantana & Hypoluxo Island: Smaller fishing boats and PWCs trailered to the Lantana boat ramp, plus dock-stored boats on the Intracoastal. Trailer coverage and PWC endorsements are commonly needed. Boynton Beach & Boynton Inlet: Inlet-area boats with offshore use, plus inland storage. Offshore navigation extensions and uninsured boater coverage are the typical adds. If you keep your boat in a marina, ask about hurricane haul-out coverage — it reimburses the cost of pulling your boat from the water when a named storm is in the cone, often paying for itself the first time you use it.

Florida has more registered boats than any other state, and Palm Beach County's waterways can be busy and unpredictable. Boat insurance protects you financially in case of: Accidents on the water, including collisions with other boats, objects, or the shoreline Theft or vandalism while your boat is docked, stored, or on a trailer Weather damage from storms, hurricanes, or lightning strikes Liability if someone is injured on your boat or in a boating accident Environmental damage, such as fuel spills, which can be extremely costly Without proper coverage, a single incident could cost you tens of thousands of dollars out of pocket. Our agents will review your specific situation and recommend coverage that protects your investment.

Several factors influence your boat insurance premium: Boat Value and Type: Larger, more expensive boats cost more to insure. High-performance boats may also carry higher premiums. Usage: How and where you use your boat matters. Ocean use versus inland lake, recreational versus commercial, and how often you're on the water all affect your rate. Experience: Your boating experience and completion of boating safety courses can qualify you for discounts. Storage: Where you keep your boat, such as in a marina, dry dock, or on a trailer at home, impacts your premium. Navigation Area: Florida waters, including the Atlantic coast and Intracoastal Waterway, have specific risk factors our agents understand.