Yacht insurance vs. boat insurance

Boat and yacht policies use the same building blocks, but yacht policies tend to be underwritten more individually and often use agreed value, wider navigation terms and crew provisions.

Typical differences

Valuation: agreed value is more common on yacht policies
Crew: more attention on paid captains and crew
Underwriting: surveys and experience reviews are more common
Navigation: wider and more specific ranges

Which do I need?

Smaller boats are usually quoted as boat policies. For those, see MyFloridaBoatInsurance.com or call us for guidance.

Coverage depends on the policy, the insurance company and underwriting approval.

Get my boat quote

Or call (813) 291-3484.