Why Do I Need Boat Insurance?

Whether you are cruising in your luxurious yacht in the Bahamas or fishing off of the Gulf of Mexico, know that A.G. Family Insurance is cruising right behind you!

We will make sure your boat is covered as completely and affordably as possible. We are able to offer extra coverage for things like:

  • GPS
  • Satellite Radio
  • Fishing Poles
  • Towing

We also offer

  • Towing coverage
  • Coverage for uninsured boaters
  • Other coverage options

And yes, we can even extend coverage on your watercraft to the Bahamas

Florida law does not require you to carry watercraft coverage. If you’ve taken out a loan on your boat, your lender will require coverage for the life of the loan. Although coverage isn’t required, A.G. Family highly recommends that you protect both your seafaring toy and yourself against liability.

Boat claims aren’t nearly as common as auto or even as homeowner’s claims. However, in our experience, when these claims arise, they’re usually severe.

At A.G. Family, we’ve seen passengers break bones, requiring surgery. In one such case, the injury was caused by the passenger standing while the vessel was moving at high speeds. The boat hit a large wave and the passenger went sprawling. In another claim we handled, a hurricane caused so much rain, it literally drowned and ruined the engine.

Truth is, accidents and Acts of God do happen; no one plans on having an accident. However, when the unexpected happens, you can rest assured that Gina and her staff at A.G. Family Insurance will be there to guide you through it.

A.G. Family Insurance specializes in the following Watercraft policies


  • Luxury yachts
  • Sailboats
  • Personal watercraft, including jet skis and wave runners


  • Fishing charter boats: Six packs and larger
  • Dolphin tours
  • Sunset cruises
  • Jet ski rental and guided tour operations
  • Paddleboard and kayak operations

Call A.G. Family Insurance today for a free quote on affordable watercraft or boat insurance. Or fill out our online form for a free online boat insurance quote.

A.G. Family Insurance: One agent, one call...one agency rooted in family.