COASTAL & RECREATIONAL · THE BOWERS AGENCY
Coverage for time on the water.
Hull, liability, and towing coverage sized to your boat and how you use it.
WHAT’S COVERED
Boat Insurance at a glance.
We compare top carriers to build a policy that covers what matters — not just the minimum required.
Hull coverage for physical damage
Liability protection for accidents on the water
Towing and emergency assistance
Uninsured boater coverage
Personal property coverage for gear onboard
Seasonal lay-up and storage considerations
KNOW BEFORE YOU BUY
What Florida & Georgia clients need to know.
Northeast Florida’s rivers and coastline mean a lot of boat owners here — and a lot of variation in coverage needs between a small skiff and an offshore center console. We match coverage to your specific vessel.
WHO IT’S FOR
Is this coverage right for you?
Boat owners on Florida or Georgia’s rivers, intracoastal waterways, and coastline.
RELATED COVERAGE
Often paired with boat insurance.
Coastal & Recreational
Flood Insurance
Separate from homeowners coverage — essential for most of Northeast Florida.
Coastal & RecreationalFlood InsuranceSeparate from homeowners coverage — essential for most of Northeast Florida.Learn more →
Coastal & Recreational
Recreational Insurance
ATVs, golf carts, and other recreational vehicles covered on and off the road.
Coastal & RecreationalRecreational InsuranceATVs, golf carts, and other recreational vehicles covered on and off the road.Learn more →
Personal
Umbrella Insurance
Extra liability protection layered on top of your home and auto policies.
PersonalUmbrella InsuranceExtra liability protection layered on top of your home and auto policies.Learn more →
Get your boat insurance quote today.
Tell us a little about what you need. A local advisor will reach out — usually the same day — with options built around you.