Watercraft Insurance in Zephyrhills, FL for Boats, Jet Skis & More
Watercraft Insurance
Whether you take your boat out on Lake Bernadette or trailer it to the Gulf for weekend fishing trips, it’s important to have insurance that keeps you covered on and off the water. We help boaters across Zephyrhills, Wesley Chapel, and Dade City protect their watercraft with flexible, easy-to-understand coverage.
From personal fishing boats and pontoons to jet skis and small sailboats, we can tailor a policy to fit your needs and budget.
Coverage That Fits
Watercraft insurance can include:
- Physical damage coverage for your boat, motor & trailer
- Liability protection in case you cause damage or injury
- Medical payments for you or your passengers
- Coverage for theft, vandalism, or storm-related damage
- Optional towing, roadside assistance & personal effects coverage
Whether your boat is stored in your driveway, on a trailer, or at a dock, we’ll make sure it’s protected where and how you use it.
Why This Coverage Matters
- Helps pay for repairs or replacement after accidents, storms, or theft
- Covers medical bills and damages if you're responsible for an incident
- Keeps you financially protected on public waterways and private lakes
- Covers gear and personal items onboard (depending on your policy)
- Gives you peace of mind whether you're boating full-time or seasonally
Many homeowners policies provide very limited boat coverage—if any. A separate watercraft policy ensures you’re not left footing the bill after an unexpected incident.
Why Boaters Choose Us
We work with local boaters, seasonal residents, and outdoor enthusiasts who want no-nonsense coverage they can rely on. Whether you're towing your boat down SR-54 or enjoying the weekend on the water, we’ll help you understand what’s covered—and how to get back to boating quickly if something goes wrong.