Boat & Watercraft Insurance in Florida for Vero Beach Boaters
Smooth Sailing with the Right Boat Insurance
Coverage that keeps your time on the water stress-free.
Florida’s boating season never ends, and while the state doesn’t require boat insurance for private pleasure craft, marinas, lenders, and smart owners do. A policy from Complete Trust Insurance helps cover injuries, property damage, and storm losses—so weekend fishing on the Indian River Lagoon or runs out the Fort Pierce Inlet don’t put your savings at risk. If you’ve relied on homeowners insurance for your skiff or tender, let’s talk; most home policies offer only limited protection for small boats and don’t replace a true marine policy. For higher liability protection on busy waterways, many clients also consider umbrella insurance for peace of mind.
Coverage for Your Watercraft
From Hull Damage to on-water Towing—Make Sure It’s Included.
A well-built boat policy can include physical damage (collision, theft, fire, hurricane), liability for injuries or property damage you cause, medical payments, uninsured boater, fuel spill liability, wreck removal, personal effects, and emergency towing. We’ll align engines, trailers, electronics, and fishing gear with the right limits and deductibles as part of your broader
personal insurance plan.
Types of Watercraft Covered
Boats, PWCs, Sailboats—even Yachts.
We insure fishing boats, bay boats, center consoles, pontoon boats, sailboats, jet skis/Sea-Doos, and larger vessels through specialty carriers. If your boat lives on a lift off A1A or trailers to ramps along US-1, we’ll tailor navigation limits and storage terms to fit how you actually use it.
Storms and Storage
Hurricane Season is Part of Boating in Florida.
Many carriers contribute to haul-out or storm-prep costs when a named storm approaches, and policies can cover hurricane damage subject to a wind deductible. Docked in Vero Beach or kept at a marina in Sebastian? We’ll review tie-down requirements, lay-up options, and how storage choices affect claims. If your property is near the lagoon, consider separate
flood insurance for buildings—boat policies don’t insure your dock or home.
Discounts for Smart Boaters
Save With Training and Smart Policy Design.
Safety courses, multi-policy discounts, approved alarms, and claim-free history can all help. Bundling with
auto insurance or your home policy often reduces premiums across the board—without trimming critical coverage.
Local Waters, Local Knowledge
Built by a Vero Beach Team That Knows These Tides.
Whether you ride the morning glass on the Indian River Lagoon or chase dolphin offshore, Complete Trust Insurance understands Treasure Coast boating and the coverage details that matter—like salvage limits and fuel spill liability.