Boat insurance
From a center console to a sailboat, we'll help you compare boat insurance that fits how and where you use the water.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Hurricane haul-out, navigational territory limits, and lay-up periods all affect coverage. We'll make sure you understand them before binding a policy.
Usually only for small boats and very limited amounts. A dedicated boat policy provides proper coverage.
Hull (the boat itself), liability, medical payments, uninsured boater, and often personal effects and on-water towing.
Florida doesn't generally require it by law, but marinas and lenders often do. It's also important protection for liability on the water.
Some policies help pay to haul out or secure your boat ahead of a named storm. We'll explain whether your policy includes it.
Trailer coverage is often available on a boat policy. Let us know about your trailer so we can include it.
Personal watercraft can usually be insured on a boat or PWC policy. We can compare options for yours.
Boat type, value, length, engine horsepower, where it's kept, navigation area, and your boating experience all play a role.