Boat & Marine Insurance

From bay fishing boats to offshore rigs, we insure the vessels that make Gulf Coast living worth it.

If you live on the Gulf Coast, chances are you own a boat or you're thinking about one. Gulf Breeze Insurance Group insures everything from bay fishing boats and pontoons on Santa Rosa Sound to offshore fishing rigs and sailboats heading out past the pass. We cover hull damage, liability, towing, fuel spill cleanup, and personal property on board. Our agents understand the local waterways, marina requirements, and hurricane haul-out procedures, so your policy is built for how you actually use your boat in Pensacola waters.

What's Included

Hull, liability, and towing coverage
Hurricane haul-out reimbursement
Personal effects on board
Agreed value policies available

Boat & Marine Insurance Service Areas

We provide boat & marine insurance services across the Emerald Coast and Pensacola area.

Frequently Asked Questions

Does my boat insurance cover hurricane damage?

Yes, most boat policies cover hurricane damage, but many require you to follow a named-storm plan, which includes hauling out or securing your vessel. Failure to follow the plan can void your coverage. We help you set up a haul-out plan before hurricane season.

Do I need boat insurance if I only use my boat in the bay?

Florida doesn't legally require boat insurance, but it's strongly recommended. Even in the calm waters of Santa Rosa Sound or Pensacola Bay, you're liable for damage to other boats, docks, and injuries. Plus, your boat is a significant investment worth protecting.