Compare Boat Insurance for Miami Beach & Nearby Waters
From speedboats and fishing vessels to sailboats and PWCs, we build policies for Biscayne Bay, the Atlantic Ocean, and trips to the Keys.
Why Boat Insurance Matters Here
Local waterways mix ocean traffic, reefs, storms, and varying conditions. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, fuel-spill liability, salvage & wreck removal, and fishing gear/personal effects. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Headed to Biscayne Bay or out to the Atlantic? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and marina contract requirements.
Build the Right Boat Policy
Hull & Valuation
- Agreed Value for total losses (no depreciation) or ACV for lower premiums
- Partial loss settlement on OEM parts where available
- Coverage for machinery/underwater gear (lower units, props, shafts) per form
Liability & People
- Watercraft liability to satisfy marina requirements
- Medical payments for you/guests aboard
- Uninsured/underinsured boater (where offered)
Situational Add-Ons
- On-water towing/assistance and soft-ungrounding
- Salvage & wreck removal with separate limits
- Fuel spill liability and pollution coverage
- Fishing equipment & personal effects (scheduled limits)
- Trailer, tender/dinghy, electronics
Navigation, Storage & Storms
- Coastal/Biscayne Bay/Atlantic navigation territories set to your cruising plan
- Lay-up/wet storage terms matched to your haul-out habits
- Storm plan & haul-out reimbursement where available
Florida Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on FL waters must be registered with the FL FWC, and boats over certain lengths may require titling. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a Florida Boating Safety ID Card issued via FWC-approved courses. Carry your card while operating.
Local Planning
Check tides/currents (e.g., NOAA Miami Beach stations), no-wake zones, reefs, and pumpout access before you cast off. Marinas commonly require proof of insurance to dock.
Tip: If your boat is financed or you berth at a marina, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Miami Beach Boaters Go (and How We Insure It)
Many owners berth or launch near Biscayne Bay and head to the Atlantic, the Keys, or local reefs. We coordinate navigation limits, towing zones, and storm plans with your marina—whether you keep the boat in Miami Beach or trailer to nearby ramps.
Our Process for Miami Beach Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — coastal vs. inland, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration/title, safety certificate, and marina COI requirements.
- Bind & Proof — issue ID cards and certificates for your marina or lender.
We Serve Every Miami Beach Boater
Miami Beach, South Beach, North Beach, Fisher Island, and nearby areas like Miami and Key Biscayne.
Local Resources
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized boat insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in Miami Beach, FL
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and marina. We’ll size liability, choose agreed value vs. ACV, and add towing, salvage, and fuel spill coverage as needed.
Get Your Boat Insurance Quote in Miami Beach
Prefer to talk? Call or text: 833-586-3264.
