Boat Insurance · Miami & South Florida
Stay Afloat with Comprehensive Boat Insurance
Ensure your time on the water is stress-free with our tailored boat insurance plans. From theft to accidental damage, we provide reliable coverage that keeps you protected, whether you’re cruising or docked. Secure your vessel today.
What’s covered
Protect Your Investment on the Water
Boat and yacht insurance for Biscayne Bay, the Keys and Florida waters. Your agent tailors limits and deductibles to your situation and budget.
Protects against damage to your vessel and onboard equipment.
Covers legal responsibilities for damage caused to others.
Safeguards you in accidents with uninsured boaters.
Provides help for towing and emergency services on the water.
Covers cleanup costs for fuel spills or other environmental hazards.
Protects personal belongings on board from theft or damage.
Ocean Trust advantage
Protect Your Adventures with Ocean Trust Boat Insurance
At Ocean Trust, we provide customized boat insurance plans designed to keep you and your vessel safe on every journey. From unexpected accidents to environmental risks, our coverage ensures peace of mind and financial protection. With a commitment to excellence and personalized support, you can trust us to handle the complexities of marine insurance while you focus on enjoying your time on the water. Choose us for trusted coverage, affordable plans, and exceptional customer care.
- Quotes from 25+ carriers in one call
- Local agents in Homestead · English & Spanish
- Help with claims, changes and renewals
Covers damage to the boat itself due to accidents, collisions, storms, or other covered events.
Can include damage to the boat’s structure, deck, motor, and other equipment.
Bodily Injury Liability: Covers injuries to other people caused by the boat owner or operator’s negligence. For example, if the boat hits another vessel or injures someone on the dock, this coverage can pay for medical expenses and legal costs.
Property Damage Liability: Covers damage to another person’s property (e.g., another boat, dock, or buoy) caused by the boat owner or operator.
Covers medical expenses for you, your passengers, or others injured in an accident involving the boat, regardless of fault. This coverage can include hospital visits, doctor fees, and emergency treatment.
Provides coverage if you are involved in an accident with a boater who doesn’t have insurance or doesn’t have enough coverage to pay for the damages or injuries they caused.
Covers the cost of repairing or replacing the boat if it collides with another object, whether it be another boat, a rock, or a dock.
Covers non-collision damage to the boat, such as damage caused by storms, vandalism, theft, fire, or other types of loss (e.g., sinking or being struck by lightning).
Provides compensation if the boat is stolen or vandalized.
Covers the costs of towing your boat if it breaks down on the water or gets stranded.
Covers damage or theft of the boat trailer while it is in use or stored. Often, this can be added as a separate coverage option.
Optional or Additional Coverages:
Personal Property Coverage: Covers items like fishing equipment, gear, or personal belongings on the boat if damaged or stolen.
Total Loss Replacement: For newer boats, this provides a replacement cost rather than just the boat’s market value in the event of a total loss.
Fishing Equipment Coverage: Covers damage to or loss of fishing gear, electronics, or tackle.
It’s important to review each policy’s terms and exclusions, as coverage can vary widely based on the boat type, location, and specific policy.
Free quote
Get your free boat insurance quote today
Share your details and a licensed agent will compare carriers and send a no-obligation estimate tailored to you.
- (866) 356-2326
- info@oceantrustinsurance.com
- 809 N Homestead Blvd, Homestead, FL 33030
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Reviews
What our clients say
“Quiero dejar unas palabras para agradecer la excelente atención que recibí de parte de Alex, el agente de seguros. Desde el primer momento fue muy amable, paciente y claro para explicarme todo. Yo ya soy una persona mayor y a veces estas cosas me cuestan un poco, pero Alex me trató con mucho respeto y dedicación,…”
“I had a great experience with Ocean Trust and Financial Services! The attention was excellent from start to finish. Fernández took the time to understand my needs and helped me find the best insurance option possible. I truly felt guided and supported throughout the process. Highly recommended!”
“Este ha sido un servicio inigualable por parte de José Luis Fernández. Ha sido paciente y muy amable además de proveerme del seguro que estaba buscando. Gracias por su excelente trabajo”
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