South Florida boating is year-round, and so are the risks: crowded inlets, fast-changing weather, theft of outboards and electronics, and hurricane season every summer. Stacks Insurance Brokerage places boat insurance with specialty marine carriers that understand how boats are actually used here, not with auto insurers that treat a boat as an afterthought.
Coverage built around your boat
- Hull & machinery: physical damage to the boat, engines and permanently attached equipment, with agreed-value options so you know your payout before a loss
- Liability (protection & indemnity): injury to guests or others and damage to other vessels, docks and property
- Medical payments for passengers and guests
- Uninsured boater protection if you are hit by someone without adequate coverage
- Personal effects & fishing equipment
- Towing & on-water assistance
- Fuel spill & wreck removal costs
- Trailer coverage for trailerable boats
Boats we insure
Bowriders, deck boats, pontoons, bay boats, center consoles, walkarounds, express cruisers, sailboats, personal watercraft and more. Own a larger yacht or a sportfisher? See our yacht & mega yacht and sportfisher & center console pages.
What affects your premium
- Boat value, age, length and horsepower
- Where the boat is kept: lift, slip, dry stack or trailer
- Your navigation area and time spent in the Bahamas
- Operator experience, boating courses and claims history
- Your hurricane plan and named-storm deductible choice
Hurricane season deserves its own plan. Read about hurricane & named-storm coverage for boats.
Get a boat insurance quote
Tell us about your vessel and how you use it, and we will compare options from specialty marine carriers. Prefer to talk it through? Call us at (754) 212-4459.
Protect more than the boat
Most of our marine clients also trust us with their homes, cars and liability. Keeping everything with one agency means one point of contact, coordinated liability limits and no gaps between policies.
- Homeowners & condo, including waterfront homes and wind coverage
- Auto, exotic & collector cars
- Personal umbrella liability that sits over your boat, home and auto policies