From fishing trips to weekend cruising, your time on the water should feel carefree. Suncoast Financial offers boat and personal watercraft (PWC) insurance built to protect your vessel, your passengers, and your peace of mind—on and off the dock.
What Can Boat Insurance from Suncoast Financial Include?
Physical Damage Coverage
May help repair or replace your boat or PWC after an accident, regardless of fault.
Liability Coverage
May help pay for injury or property damage you cause while operating your boat.
Theft & Vandalism
May cover your boat if it’s stolen or vandalized—whether at the marina, dock, or in storage.
Towing & Assistance
Add-on coverage that may help with emergency towing, fuel delivery, or on-water breakdowns.
Medical Payments
May help with medical expenses for you or your passengers after an accident.
Gear & Equipment Protection
Optional coverage for fishing gear, electronics, trailers, and other accessories.
Coverage depends on your policy and location. Always review your plan to confirm what’s included.
Get the Best Rate with Built-In Savings
Owning a boat shouldn’t sink your budget. Our coverage comes with smart ways to save—on and off the water.
Multi-Policy Discounts
Bundle your boat insurance with auto, home, or other products for extra savings.
Safety Course Discounts
Completed a boating safety class? You may qualify for lower rates.
Lay-Up Period Savings
Not using your boat in the off-season? Ask about seasonal storage discounts.
Claim-Free Discounts
If you have a clean claims history, that could lead to even more savings.
How We Help
More Than Insurance. A Real Lifeline.
Boating should be carefree—and so should your insurance. We’ll help you get the right protection without the confusing fine print or unnecessary extras. It’s all about making coverage that floats.
Easy Process
Quick quotes and simple enrollment. No complicated steps.
Coverage That Fits Your Life
Whether it’s a fishing boat, sailboat, or jet ski, we help tailor protection to how you use it.
Got Questions? We’ve Got Answers.
Doesn’t my homeowners insurance cover my boat?
Not fully. Most homeowners policies may offer limited coverage for small boats, but they usually exclude liability and damage that happens away from your property.
What types of watercraft can be insured?
We offer coverage for a wide range of boats—fishing boats, sailboats, powerboats, and personal watercraft like jet skis.
Is boat insurance required by law?
It depends on your state and where you operate your boat. Even when it’s not required, marinas and lenders may still ask for proof of insurance.
Can I insure my trailer too?
Yes. Many policies include optional coverage for your trailer as part of your boat insurance plan.
What if my boat is damaged in storage or out of the water?
Comprehensive coverage may help protect your boat during storage, transport, or while it’s docked—depending on your plan.
Do I need special coverage for jet skis or personal watercraft?
Yes. PWCs often require a separate policy or endorsement, but we offer plans specifically built for jet ski owners.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
Have a question about coverage or want to explore your options? Our team is here to help you find the right insurance for your needs—fast, friendly, and stress-free. Send us a message and we’ll get back to you shortly.
