Whether you fish the backwaters, cruise the Intracoastal Waterway, ride a jet ski, or set sail to the Bahamas, Joyner Family Insurance has partnered with some of the largest, most respected boat insurance carriers to provide you with the coverage you need.

Boat insurance reviews are available through two convenient methods:

  1. Contact us via our website so that a member of our agency team may contact you to prepare a detailed proposal. Please be sure to indicate your preferred method of communication so that we may follow-up with you most effectively!
  2. Call our agency team at (941) 412-4307 to discuss a proposal over the phone. This is often most effective, as we can be sure that your questions are answered and coverage benefits are explained thoroughly!

Common Boat Insurance Coverages / Definitions:

Hull & Motors Coverage:

Provides for repairs and/or replacement in the event the boat or motors are damaged in a covered loss.


Don’t forget all the fishing gear and equipment you have on your boat.  If items on your boat are not permanently attached, they may not be covered under the basic policy.  This coverage provides for the replacement of stolen or damaged accessories on your boat.


Although your auto insurance policy may extend liability coverage to your trailer and boat while in tow, it does not include physical damage coverage.  This coverage pays for such damage to your trailer.

Watercraft Liability:

Provides protection in the event that you are held legally responsible for a boating accident or mishap that includes injury to others or damage to other boats and property.

Medical Coverage:

This coverage pays medical expenses up to certain limits for non-household residents.

Towing Coverage:

Reimburses varying amounts for on-sea towing depending on the policy.

Common Boat Insurance Discounts:

  • Certified safety course
  • Good driving history
  • Financial responsibility
  • Experience
  • Areas of use