Florida boat insurance for Quebec residents — 2026
Specialized offshore policies for Quebec boat owners in Florida.
Free quote→ ☎ 1-866-357-4451Why a specialized Florida police force is essential
More and more Quebecers own a boat moored in Florida — whether for the winter season, in a permanent marina (Miami, Fort Lauderdale, Tampa, Naples, Key West) or in co-ownership (boat club, fractional ownership). Canadian insurance policies generally do not automatically cover U.S.-based boats.
Assur360 offers Canada-USA multi-territory policies and compatible U.S. policies for Quebec homeowners. 2026 Average Premiums: $900 to $4,500 USD/year depending on size, value, and hurricane exposure (Florida Zones A, B, C). All our brokers are AMF and Chamber of Insurance certified.
4 things to know before sailing in Florida
Salt water and corrosion
Any policy must explicitly cover saltwater navigation — corrosion, electrolysis, osmosis damage. Many Canadian policies exclude these risks by default.
Hurricane season (June 1 – Nov 30)
Florida’s A and B zones (Keys, Biscayne Bay, Fort Lauderdale) are in hurricane zone. Separate deductibles apply (often 5-10% of the insured value) during the hurricane season.
USA Legal Obligation
Florida does not require third-party liability insurance by state law, but all marinas, ports, and clubs require a minimum liability of US$300,000 (often $500,000 – $1 million for yachts).
Crew Medical Coverage
U.S. policies often include Medical Payments Coverage (up to $10,000 per injured person) — check on Canadian policies because it is absent by default.
Florida Boat Submission — 3 minutes
Specialized offshore analysis + service in French.
Get started→Navigation areas covered
Our offshore policies cover: Miami, Miami Beach, Fort Lauderdale, Key Biscayne, Key Largo, Key West, Tampa, St. Petersburg, Naples, Fort Myers, Sarasota, Palm Beach, Jacksonville, Pensacola , the entire Intracoastal Waterway, the Everglades (navigable waters) and the crossing to the Bahamas.
How to get your Florida policy in 4 steps
Frequently Asked Questions — Florida Boat Insurance
1. Does my Quebec boat insurance cover Florida?
Generally no, or with significant limitations. Standard policies cover adjacent Canadian and U.S. waters, but not extended use in Florida or offshore navigation. A specific endorsement or dedicated policy is required.
2. How much does Florida-based boat insurance cost?
From $900 to $6,800/year depending on size, value, cyclone zone, and frequency of use. A 45-foot yacht moored in Miami costs about $2,200 – $3,500; in Nassau, $2,800 – $4,500.
3. What is a hurricane deductible?
During hurricane season (June 1 – November 30), several insurers apply a separate deductible of 5% to 10% of the insured value for damages related to a named cyclone. For a $200,000 boat, this is a $10,000 – $20,000 deductible.
4. Should I transfer my Canadian policy or purchase in the USA?
Two options: (1) keep your Quebec policy with a multi-territory endorsement (simpler, billed in CAD, service in French), or (2) purchase a U.S. policy (often cheaper for large boats, but in USD and in English). Our insurance broker will advise you.
5. Is the Gulf Stream a risk area?
Yes. The Miami-Bimini crossing (80 km offshore) presents cross waves of 2-4 m, northeast current, and the presence of semis and cargo ships. A explicit bluewater policy is necessary — it represents 20-40% of the cost of a coastal policy.
6. Is my boat reassembled in Quebec for the summer covered?
Yes, multi-territory policies automatically cover the return to Canada — by semi-trailer or by waterway (Intracoastal Waterway + Long Island Sound + canals). Check the “transport” section of the contract.
7. What areas are covered?
According to the contract: Miami, Miami Beach, Fort Lauderdale, Key Biscayne, Key Largo, Key West, Tampa, St. Petersburg, Naples, Fort Myers, Sarasota, Palm Beach, Jacksonville, Pensacola, all of the Intracoastal Waterway, the Everglades (navigable waters), and the crossing to the Bahamas. Cyclone zones may require a seasonal endorsement.
8. Is cyclone damage (Ian, Ida, Maria) covered?
Yes, under an all-risk bluewater policy, after applying the hurricane deductible (5-10% of the value). Damages are assessed in Miami or Nassau by a local marine expert mandated by the insurer.
9. Can I rent my boat in Florida (charter)?
No under a recreational policy. Any rental (with or without crew) requires a commercial charter policy — usually 4-8% of the value per year, with an audit of the skipper and hired crews.
10. How do I claim a claim outside Quebec?
Call 1-866-357-4451 — our Quebec team coordinates with local experts (in Florida or the Bahamas). Document photos, witnesses, Coast Guard report (Coast Guard, Royal Bahamas Defence Force) according to the location. Reimbursement in USD or CAD depending on the policy.
Why Assur360 for your boat in Florida
Helpful Resources
Consult: boat insurance hub · Boat in Florida · Boat in the Bahamas · yacht · Boat Guide 2026 · Dwelling (combo). External references: AMF, Insurance Bureau of Canada, Transport Canada, National Hurricane Center (NOAA).
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