Enjoy Florida’s Waters Safely
Central Florida offers some of the best inland boating in the state, with favorites like Lake Conway, Lake Eola, and St. Johns River just a short drive away. Whether you’re fishing, tubing, or simply soaking in the sunshine, owning a boat comes with freedom—and a fair share of risk.
Boat insurance isn’t required by Florida law, but many marinas, lenders, and storage facilities will ask for proof of coverage. More importantly, it protects your investment and your liability if something goes wrong on the water.
At The White Agency, we help boaters in East Orlando and beyond find coverage that’s tailored to their type of watercraft, how they use it, and where they take it.
What Does Boat Insurance Cover?
Liability Coverage
Covers injuries or property damage you cause to others while operating your watercraft. Essential for high-traffic lakes or coastal trips.
Hull & Physical Damage
Pays to repair or replace your boat if it’s damaged by an accident, storm, fire, or even vandalism—whether on the water or in storage.
Uninsured Boater Protection
Helps cover your medical bills and damages if you’re hit by someone without enough insurance—an important add-on in Florida.
Special Equipment Coverage
Covers trailers, fishing gear, electronics, life jackets, and other personal boating equipment beyond the standard boat policy.
Wreck Removal & Fuel Spill Liability
Helps pay for environmental cleanup and salvage in case of serious accidents—especially relevant in Florida's eco-sensitive waters.
Emergency Assistance
Includes towing, on-water labor, and fuel delivery if you're stranded far from the dock.
Storms Happen. Be Ready.
Protect your watercraft during Florida’s wildest season.
From June through November, Florida boat owners face the uncertainty of hurricane season. Even if you store your boat inland or trailer it away, storm prep and recovery can be costly without proper coverage.
We work with insurance carriers who understand Florida’s storm cycles and offer flexible options for boaters who need seasonal storage coverage, hurricane hauling reimbursement, or broad navigational territory.
- Coverage for named storm damage
- Hauling and dry-docking reimbursement
- Marina fire and flood protection
- Flexible lay-up periods for offseason storage
- Guidance on proper storm prep from your carrier
Straightforward coverage, no marine jargon.
Answers for Florida Boat Owners
You shouldn't need a captain’s license to understand your policy. Here are a few of the most common questions we hear from boaters around Orlando and Orange County. Don’t see your question? Call us—we’ll help.
Do I need boat insurance in Florida?
Florida doesn’t legally require boat insurance, but it’s often required by marinas, storage facilities, and lenders—and it’s strongly recommended for any owner.
How much is boat insurance in Florida?
Premiums vary based on your watercraft, coverage level, usage, and location. We shop multiple carriers to help you find the right rate.
Is my jet ski or Sea-Doo covered?
Yes. We offer personal watercraft coverage for Jet Skis, Sea-Doos, WaveRunners, and other small watercraft. Tell us what you ride—we’ll handle the rest.
What happens if there’s a hurricane?
Most carriers offer protection for storm-related damage and assistance with storage and preparation. We’ll help you get set up before the first storm hits.
Can I bundle boat insurance with my other policies?
Absolutely. Many of our clients combine boat coverage with their home or auto insurance for extra savings and one-agent convenience.