For Suncoast boaters — Sarasota · Bradenton · Lakewood Ranch · Parrish
What does boat insurance cost in Florida? Get a free quote shopped across multiple carriers this week.
Florida boat insurance pricing depends on your boat's value, length, age, where it's kept and how far offshore you run — plus named-storm deductibles and hurricane plans. As an independent agency, Adams Agency compares multiple carriers for Suncoast boaters so you get the right coverage for Gulf Coast water, not a one-size-fits-all rate.
- Free — no obligation
- Local licensed agent
- Multiple carriers shopped
- Pontoons to yachts & jet skis
Hurricane season changes everything on the water — get your coverage reviewed before the next storm, not after.
Written by Bob Adams, licensed Florida insurance agent · 30+ years in Florida insurance |4.9★ on Google
Built for every kind of Suncoast boat
From pontoon afternoons on the Manatee River to offshore runs out of Sarasota — we quote coverage that matches how you actually use your boat.
Pontoons & deck boats
Family days on the Manatee River and Sarasota Bay. Liability, on-water towing and coverage for the trailer that gets you there.
Center consoles & bay boats
Fishing gear, electronics and Gulf runs covered. We match navigation limits to where you actually fish.
Sailboats, cruisers & yachts
Agreed-value coverage, named-storm plans and marina-slip requirements handled by carriers that write larger vessels.
Jet skis & PWC
Personal watercraft coverage for weekend riders, including liability when friends and family take a turn.
What your free boat quote includes
This is the same review other agencies only do after you sign. You get it up front, in writing, at no cost.
Our promise
If your current boat policy is already the right fit, we'll tell you straight — and the quote is still free.
Reviewed by Bob Adams and the licensed team at our Lakewood Ranch office.
Agreed value vs. actual cash value, explained
We show you how a total loss would actually be paid before you choose.
Named-storm & hurricane review
We check your named-storm deductible and what your policy expects from your hurricane haul-out or storm plan.
Navigation limits that match your trips
Bay, Gulf coastal or Bahamas — we make sure the policy covers where you really go.
Liability, uninsured boater & medical payments
Protection if someone is hurt or an uninsured boater damages yours.
Towing, fuel-spill & wreck removal
The on-water costs Florida boaters don't think about until they need them.
Three steps from the dock to a quote
1. Tell us about your boat
Year, length, value and where it's kept. About 2 minutes.
2. We shop the carriers
A licensed agent compares boat carriers that write Gulf Coast risks.
3. You choose
Get a written side-by-side comparison. Switch only if it's better.
Boat coverage we quote
You'll be working with Bob Adams
The Adams Agency is an independent GreatFlorida Insurance agency serving boaters across Sarasota, Bradenton, Lakewood Ranch and Parrish. Bob Adams has spent 30+ years in Florida insurance — he knows how carriers look at Gulf Coast storms, marina requirements and lender rules, and he answers his own phone.
- Office
- Lakewood Ranch, FL
- Areas served
- Sarasota · Bradenton · Lakewood Ranch · Parrish
- Direct line
- 941-681-8000
Common things we catch
- Boats insured at a value that no longer matches the market
- Navigation limits that don't cover Gulf or Bahamas trips
- Named-storm deductibles owners didn't know they had
- Trailers and fishing gear left off the policy
Questions Florida boaters ask us first
Ready to see what your boat insurance should look like?
Tell us about your boat and we'll do the shopping. Free, no obligation, and you keep the comparison either way.
Last updated: September 28, 2026