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Find Boat Insurance Agents Near You in Fernandina Beach, FL
Directory of boat insurance agents in Fernandina Beach, Florida. Verify credentials with the state department of insurance before hiring.
10 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 10 boat insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034
(904) 261-2664
fernandinafern.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034
(904) 326-3288
nelsonandassociatesinsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Harper Insurance Agency Inc.
714 Beech St, Fernandina Beach, FL 32034
(904) 406-0887
harperinsuranceagencyinc.com
Boat insurance agents in Fernandina Beach help protect your vessel against risks like storm damage and collision. Florida law requires liability coverage for boats with motors over 50 horsepower. Local agents understand the unique needs of boaters on the Amelia River and Atlantic Ocean.
What Does a Boat Insurance Agent in Fernandina Beach Cost?
Boat insurance costs in Florida vary widely based on boat value, size, and usage. A typical policy for a small fishing boat might cost 300 to 600 dollars per year. A larger yacht could cost 2,000 to 5,000 dollars annually. Factors like your boating experience, claims history, and storage location also affect the price. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does boat insurance cover in Fernandina Beach Florida?
Boat insurance typically covers physical damage to the vessel, liability for injury or property damage, and medical payments. Policies may also include coverage for theft, towing, and wreckage removal. Florida law does not require boat insurance for all vessels but lenders and marinas often require it.
Do I need boat insurance to dock at Fernandina Beach marinas?
Many marinas in Fernandina Beach require proof of liability insurance before allowing you to dock. Coverage limits usually start at 300,000 dollars. Check with your specific marina for their minimum requirements.
How does Florida weather affect boat insurance rates in Fernandina Beach?
Florida hurricane and tropical storm risk can increase premiums. Insurers may apply a separate windstorm deductible during hurricane season from June 1 to November 30. Some policies also exclude damage from named storms unless you buy additional coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.