Watercraft insurance is intended for boats, jet skis, and similar vessels, addressing physical damage and liability on the water. Infante Insurance Group works with a network of carriers to help boat owners across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options — in English or Spanish.
Coverage Options
A typical watercraft policy addresses a few core areas. Physical damage coverage can help repair or replace your vessel after events like collision, storm damage, or theft. Liability coverage can help address costs if you injure someone or damage property while operating your watercraft. Coverage can often extend to trailers, permanently attached equipment, and towing or on-water assistance. Navigation limits, lay-up periods, and seasonal use are all factors that shape how a policy is structured.
Who May Need This
This coverage is worth exploring if you own a boat, jet ski, or other vessel kept or operated in Florida waters, are financing a watercraft purchase and need proof of coverage for your lender, or dock your vessel at a marina that requires proof of insurance.
Where You're Covered
Both states have serious boating cultures. South Florida’s waterways — Biscayne Bay, the Intracoastal, and beyond — make boating a year-round activity, while the Texas Gulf Coast around Houston and inland lakes near Dallas draw their own strong boating community. Understanding your on-water liability exposure matters in either case. Hurricane season is a key consideration for vessel owners on Florida’s and Texas’s Gulf coasts alike — how your policy addresses storm-related haul-out or lay-up requirements is worth discussing with a licensed agent.
Need help in Spanish? We offer service in English and Spanish.
This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Florida doesn’t generally require boat insurance by law, though lenders and marinas often require it. A licensed agent can confirm what applies to your specific situation.
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