Protection You Can Count On, Wherever the Water Takes You.
Owning a personal watercraft in Florida feels like freedom. The waves, the sunshine, the excitement of exploring the endless waters—it’s paradise. But no matter how skilled you are or how reliable your watercraft might be, risks can lurk just beyond the horizon. That’s where we step in. With personal watercraft insurance policies designed just for you and your needs. We’re not just here to insure your boat. We’re here to give you peace of mind, so you can spend less time worrying about “what ifs” and more time enjoying your time on the water.Why Choose Us?
When it comes to protecting your personal watercraft, it’s not a one-size-fits-all deal. At Preferred Partners Insurance, we’re independent insurance agents based right here in Florida. That means we don’t work for an insurance company—we work for you. You don’t have to do this alone—we’re here to be your trusted guide through the sea of insurance options. Here’s what you can count on when you partner with us.
Tailored Coverage
We collaborate with a select group of financially strong, reputable companies to find the right personal watercraft policy for you.
Unbiased Advice
Because we’re independent, we’re free to recommend only the options that fit your unique needs.
Florida Expertise
Living and working in Florida means we know the specific challenges and requirements for local boat owners and water sports enthusiasts.
Coverage You Can Trust
Whether you’re concerned about theft, liability, or storm damage, we’ve got solutions to keep you protected.Explore Your Coverage Options
What Does Personal Watercraft Insurance Cover?
A personal watercraft insurance policy is about more than just checking a box—it’s about ensuring you’re fully protected no matter what comes your way. We’ll help you build a plan that fits like a life vest, securely tailored to your needs.
Here are some of the key coverage options you’ll want to know about. Want to know more? Just reach out, and we’ll walk you through your options.
Liability Protection
If you accidentally collide with another boat or cause property damage, liability coverage helps cover costs so you don’t have to pay out of pocket.Collision Coverage
Damage to your own watercraft? That’s covered too. Whether you hit a dock or an underwater obstacle, collision pays for repairs or replacement.Comprehensive Coverage
Florida weather can be unpredictable. Comprehensive coverage protects you from non-collision risks like theft, vandalism, fire, or storm damage.Uninsured or Underinsured Boater Coverage
Not everyone on the water is as responsible as you. This coverage ensures you’re protected if an uninsured boater causes an accident.Medical Payments Coverage
Safety comes first, but accidents can happen. Medical payments coverage assists with costs if you or your passengers are injured.Accessories and Equipment Coverage
Your watercraft is more than just the hull—it’s the GPS, the sound system, and other attachments. This covers the extras that make your rides memorable.Why Now Is the Best Time to Get Covered
Still thinking about it? Here’s a thought to consider—your watercraft is a significant investment, and accidents can happen quickly. Waiting until after something goes wrong to think about coverage could leave you with a hefty bill and a lot of stress.
Florida is a haven for boat owners and water sports enthusiasts. But it’s also a state known for unpredictable weather and crowded waterways. Investing in personal watercraft insurance is a small price to pay for the peace of mind that comes with knowing you’re protected.
Concerns? We’ve Got Answers
We know there’s a lot to consider when choosing a personal watercraft insurance policy. And you’re probably asking yourself, “Is this really necessary?” We get it—it’s normal to have questions.Is personal watercraft insurance required in Florida?
No, Florida doesn’t require personal watercraft insurance. But that doesn’t mean you should skip it. Many marinas require proof of insurance before they’ll rent out dock space, and some financing agreements may also mandate coverage. Plus, it’s always better to be prepared than to face unexpected costs after an accident.
Will my homeowner’s policy cover my watercraft?
Homeowner’s insurance might offer limited protection, but it often comes with strict limitations and low coverage limits. A separate personal watercraft policy provides the specialized protection you need for your vessel and waterfront activities.
What if I don’t use my boat year-round?
Florida’s warm weather means there’s almost always an opportunity to hit the water, but we understand you might store your watercraft during certain seasons. Many policies allow for seasonal adjustments, ensuring you’re never over- or under-insured.
Is personal watercraft insurance expensive?
The cost depends on factors like the model of your watercraft, your level of experience, and the type of coverage you choose. But here’s the thing—choosing the right protection often costs far less than repairing or replacing your watercraft after an accident.
Start with Peace of Mind Today
Whether you’re a longtime boat owner or you’ve just bought your first Jet Ski, your focus should be on making memories—not worrying about what’s lurking on the horizon.
At Preferred Partners Insurance, we’re here to remove the guesswork from protecting your watercraft. With our Florida expertise, independent approach, and access to excellent boat insurance coverage options, we make sure you’re always in good hands.
Let’s get you started with a personalized quote. It only takes a few minutes, and you’ll be one step closer to worry-free days on the water.
Protect your ride. Protect your peace of mind.