Boat & Jet Ski Insurance in Florida: Ride Smart, Stay Covered This Summer with RAMCO

By RAMCO Insurance Agency | Your Trusted Florida Marine Coverage Partner

🌞 Florida Waters Are Calling — Make Sure You're Protected Before You Launch

With over 8,400 miles of coastline and thousands of lakes, Florida is the ultimate playground for boating and jet ski lovers. Whether you’re cruising the Intracoastal, speeding through Biscayne Bay, or enjoying a family day at the lake, having the right insurance makes all the difference between a minor inconvenience and a financial nightmare.

At RAMCO Insurance, we help you play hard without risking your peace of mind.

🛟 Why Boat & Jet Ski Insurance is a Must in Florida

Florida is #1 in both registered vessels and boating accidents—a combo that makes proper coverage more than just a good idea.

Here’s what makes marine insurance essential in the Sunshine State:

🌊 High Traffic = Higher Risk
More vessels on the water during summer increase the chances of accidents, collisions, and injury.

⚠️ Jet Skis = High Liability
Fast, maneuverable, and often operated close to shore or swimmers, personal watercraft carry unique risks that homeowners insurance won’t cover.

🌀 Hurricane Season Threatens Stored Boats
Storm surge, wind, and flooding can sink or damage even boats safely docked or trailered. Storm coverage and haul-out services are essential during Florida’s active storm months.

✅ What Does Boat & Jet Ski Insurance Cover?

At RAMCO, we help you go beyond minimums. Here’s what to look for in a solid marine policy:

✔ Liability Coverage

Protects you financially if you’re responsible for injuring someone or damaging another vessel while boating.

✔ Physical Damage

Pays to repair or replace your boat or jet ski if it’s damaged due to:
🚤 Collision
🔥 Fire or explosion
🔧 Mechanical breakdown
💨 Storms or flooding
🔐 Theft or vandalism

✔ Uninsured Boater Protection

Covers injuries or damage if you’re hit by another boater who doesn’t have insurance—a common issue in Florida.

✔ Towing & Assistance

Stranded in the bay or stuck offshore? This coverage pays for on-water towing, fuel delivery, or mechanical help.

✔ Storm Haul-Out Service

Covers the cost of moving and storing your boat before a named storm hits—saving you thousands in potential damage.

🔍 RAMCO’s Smart Approach to Marine Coverage

We don’t believe in one-size-fits-all quotes. At RAMCO Insurance, we ask questions first, then build your policy:

🛥 Where is the boat stored — marina, dock, or trailer?
🚗 Do you trailer it long-distance?
👨‍👩‍👧 Who else drives or operates the vessel?
🏖 How often do you use it and where?

Your answers help us craft precise, comprehensive protection that reflects how you actually use your boat or jet ski.

💡 Pro Tip from RAMCO Agents:

When insuring high-end boats, always educate clients about the difference between Agreed Value and Actual Cash Value policies:

📌 Agreed Value: Pays the pre-set value with no depreciation
📌 Actual Cash Value: Pays market value at the time of loss (less depreciation)

💬 Choosing the right one can impact thousands of dollars in payout during a total loss.

🧭 Make Sure Your Summer Isn’t Sunk by a Lack of Coverage

Boating should be about fun, freedom, and adventure—not financial stress. With RAMCO Insurance, you get:

✅ Customized boat & jet ski insurance policies
✅ Storm-season coverage tailored for Florida risks
✅ Affordable options with real peace of mind
✅ A family-run agency that treats you like family

📞 Ready to Get On the Water with Confidence?

RAMCO Insurance serves all of Florida, from Miami to the Gulf Coast. Let us help you cruise confidently this summer.

📍 Locations in Miami-Dade, Broward & Palm Beach
📞 Call Today: (305) 820-0350
📧 Email: info@ramcoinsurance.com