Boat & Yacht Insurance

Protection for life on the water

Boat & Yacht Insurance

Trusted guidance. Comprehensive coverage. Protection for your boat, your passengers, and your time on the water.

Start Your Boat Quote →Explore Coverage
⚓Boats & Yachts
✓Liability Protection
◎Expert Guidance
People enjoying time aboard a yacht for Florida boat and yacht insurance coverage
✓Compare CoverageHull, liability and medical payments.
⚓Watercraft OptionsBoats, jet skis and yachts.
◈Peace of MindNavigation, towing and storm-season guidance.

What your policy can protect

Coverage is not one-size-fits-all. We compare options and explain the tradeoffs before you choose.

1

Physical damage

Helps protect the hull, machinery, electronics, and permanently attached equipment from covered losses.

2

Liability

Helps respond if you are responsible for injury or property damage while operating or maintaining the vessel.

3

On-the-water help

Towing, fuel delivery, wreck removal, and emergency assistance can prevent a bad day from becoming a major expense.

4

Agreed value vs. cash value

Agreed-value coverage may pay the stated insured value after a covered total loss; actual-cash-value coverage considers depreciation.

5

Storm protection

Named-storm deductibles, navigation limits, haul-out benefits, and hurricane-plan requirements deserve careful review in Florida.

6

People and gear

Ask about medical payments, uninsured boater coverage, personal effects, fishing equipment, and tender or dinghy coverage.

Modern luxury yacht cruising on blue water near the South Florida coastline

Choose the right marine questionnaire

Download the form that best matches your vessel. Both PDFs are fillable and designed to collect the underwriting details needed for an accurate quote.

1

Boat Questionnaire

For recreational boats, personal watercraft, center consoles, pontoons, and smaller vessels. Includes vessel, engine, operator, storage, navigation, safety, storm-readiness, coverage, and loss-history details.

Download Boat PDF

2

Yacht + Hurricane Plan

For larger or higher-value yachts. Includes captain and crew, machinery, tender, survey, navigation, charter, safety, detailed hurricane disposition, backup arrangements, and post-storm response.

Download Yacht PDF

3

Not sure which form?

Start with our general quote request and a licensed MAD Insurance advisor will help identify the right marine questionnaire and coverage path.

Start My Quote

Once completed, email your questionnaire and supporting documents to [email protected].

Smart steps before you buy

A few details now can prevent surprises at claim time.

✓ Keep updated photos, maintenance records, and an inventory of electronics and equipment.
✓ Confirm your navigation territory before trips to the Keys, Bahamas, Caribbean, or other waters.
✓ Review operator experience, lay-up periods, marina requirements, and windstorm deductibles before binding.
✓ Higher-value vessels may require a recent marine survey.

Common questions

Does homeowners insurance cover my boat?

Home policies often provide only limited protection for small watercraft. A dedicated marine policy is usually better suited to physical damage, liability, towing, and navigation exposures.

What information helps produce an accurate quote?

Year, make, model, length, value, engine details, storage location, navigation area, operator history, prior coverage, and loss history.

Is yacht coverage different?

Larger or higher-value vessels often need broader navigation, crew, tender, pollution, salvage, and survey considerations.

Coverage, eligibility, limits, deductibles, and availability vary by carrier and policy. This page is educational and does not change or guarantee coverage.

Let’s build the right protection.

A licensed MAD Insurance advisor can compare available options and explain them in plain language.

Request a Quote

Boat & Yacht Guided Quote

Complete the guided questionnaire below. You can still use the downloadable Boat or Yacht PDF if you prefer.

Boat & Yacht — Guided Quote Request
SECTION 1

Let’s start with you

Fields marked * are required. Other questions can be left blank if you need help finding the answer.

Include your area code.
Include your time zone if outside Eastern Time.
Use MM/DD/YYYY, or write “Not sure.”
SECTION 2

Your boat or yacht

Use your registration or purchase paperwork if handy. Estimates are fine for the initial request.

Optional at this stage; usually found on the registration.
Include the vessel and installed equipment. Your agent will discuss valuation options.
If shopping, share the expected purchase date and price.
SECTION 3

Engines, equipment and storage

Tell us how the vessel is powered and where it stays when you are not using it.

Number of engines, year, make, horsepower per engine, fuel type and approximate hours.
List electronics, fishing gear, tender/dinghy or other equipment and estimated values.
Year, make and estimated value.
Include ZIP code. If it changes seasonally, list both locations.
For example: haul-out, inland relocation, secured storage, or “Need help planning.”
SECTION 4

Use and operator experience

These answers help us understand how you use the vessel. Mention any business or charter use.

Lakes, rivers, coastal areas, offshore distance and any trips outside the United States.
For each regular operator: age, years operating boats and experience with vessels of this size. No license numbers needed here.
List completed courses and approximate completion dates.
SECTION 5

Current coverage and your priorities

You can write “Please advise” for limits or deductibles. We will explain the options.

Share what you know; do not include payment information.
Approximate date, type of loss, amount if known and whether resolved.
Explain briefly, or write “None.”
For example: vessel damage, liability, medical payments, uninsured boaters, towing, personal property or trailer coverage.
Enter amounts if known, or “Please advise.”
Include special trips, upgrades, additional vessels or questions.

Ready for our team to review?

Check your contact details and answers, then send your request. Our team will follow up to discuss options and any additional information needed. This request does not bind or activate coverage.

Need help completing this form? Call 954-541-9232.

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