Enjoy the Water. We'll Handle the Risk.
South Florida boating is a lifestyle. We protect your vessel, passengers, and gear so you can focus on the water.
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About Boat Insurance
Boat Insurance in Hialeah & South Florida
From Biscayne Bay to the Keys, South Florida is one of the best places in the country to own a boat — and one of the most important places to insure it. Wind, storms, on-water accidents, and liability all create real exposure that a homeowners policy won't fully cover.
Kapital Insurance Group matches boaters with watercraft coverage tailored to their vessel and how they use it — fishing, cruising, or watersports — including on-water towing, fuel-spill liability, and protection for gear and electronics.
Why choose us
The Kapital advantage on boat insurance
Coverage for any vessel
From center consoles and bass boats to cruisers and personal watercraft.
On-water towing
Add emergency towing and assistance so a breakdown doesn't ruin your day — or your wallet.
Gear & electronics
Protect fishing equipment, electronics, and accessories alongside the hull.
Bundle & save
Combine with auto or home for additional multi-policy discounts.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Hull / Physical Damage
Repairs or replaces your boat after a collision, storm, fire, or theft.
Liability
Covers injury and property damage you cause to others on the water.
Medical Payments
Helps cover medical costs for you and your passengers after an accident.
Uninsured Boater
Protects you if another boater at fault has no insurance.
Towing & Assistance
Pays for emergency on-water towing, jump-starts, and fuel delivery.
Questions, answered
Boat Insurance — frequently asked questions
Common questions about boat insurance in Florida, answered by our local team.
Florida doesn't require boat insurance by law, but marinas and lenders often do, and you're financially responsible for accidents you cause. Given the value and risk, coverage is strongly recommended.
Usually only small boats and very limited amounts. A dedicated watercraft policy provides proper liability limits, physical damage, and on-water protection.
Boat type, value, horsepower, your boating experience, and where you operate all matter. Because we compare carriers, we find the one that prices your vessel best.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
Bundle & save
Related coverage
Combining policies with one agency is one of the easiest ways to lower your total cost.
Motorcycle Insurance
Florida-tailored motorcycle coverage that protects you, your bike, and your custom parts — at a price built for riders.
Get a quoteHome Insurance
Florida homeowners insurance is complicated — wind, flood, and roof rules change fast. We make it simple and find you the strongest coverage for less.
Get a quoteUmbrella Insurance
When a serious claim exceeds your auto or home limits, an umbrella policy protects your savings, home, and future income.
Get a quoteFlood Insurance
Home and business policies exclude flood — and just an inch of water can cause tens of thousands in damage. We get you protected.
Get a quoteReady for better boat insurance?
Compare top carriers in minutes and start saving today. Free, no-obligation, and bilingual.
Free & no obligation · Takes about 2 minutes · Hablamos español