Your boat is an asset.
Insure it like one.
From 30' center consoles to 100' yachts. We secure Agreed Value coverage so you never lose equity to depreciation.
We shop Markel, Chubb, Geico Marine + more.
Agreed Hull Value
$450,000
Navigational Limits
US Coastal + Bahamas Waters
Specialized Marine Carriers
More than just "Boat Insurance."
Standard auto carriers don't understand marine risks. We build policies that cover the real cost of ownership.
Agreed Value
If your boat is a total loss, you get the full insured amount. No depreciation. No "Actual Cash Value" games.
Fuel Spill & Wreck Removal
Raising a sunken boat costs thousands. Cleaning a fuel spill costs even more. Standard liability often misses this.
Fishing Gear & Electronics
Coverage for your rods, reels, tackle, and upgraded Garmin/Simrad units if they are stolen or damaged.
Hurricane Haul-Out
Many of our policies pay for 50% of the cost to haul your boat out of the water when a Named Storm warning is issued. Protect your boat *before* the storm hits.
Stuck at the dock?
Text Luna.
Marinas won't let you dock without proof of insurance. Don't wait Monday-Friday to get a certificate.
Text Luna "Send COI to Monty's Marina" and she will generate the PDF and email it to the dockmaster instantly.
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✓Instant Certificates
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✓Available Weekends
FAQ
Boat & Yacht Insurance FAQs
Agreed value, storm coverage, Bahamas territory—here’s what matters before you bind.
Do you cover Bahamas navigation? ▼
Yes—many carriers offer navigational endorsements for the Bahamas. We confirm limits and seasons before you cruise.
What is agreed value vs actual cash value? ▼
Agreed value sets the insured value upfront. Actual cash value may depreciate at claim time.
Do I need hurricane haul-out coverage? ▼
For Florida boaters, haul-out can be crucial. We review storm plans, lay-up requirements, and endorsements.
Is liability included for guests and crew? ▼
Liability and medical payments vary by policy. We make sure your setup fits how you use the boat.
Can you insure a yacht tender or PWC? ▼
Yes—tenders and PWCs can often be scheduled or added with the right coverage approach.
How quickly can you quote marine insurance? ▼
We can often shop carriers within 24–48 hours once we have vessel details and prior insurance history.
Tell us about your boat in 60 seconds.
Year, make, model, hull value and where you keep it. We’ll do the carrier shopping and send options by text or email.
Licensed nationwide* for P&C. Strong marine focus in Florida & Bahamas navigation.
Start with Luna
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