Recreational Insurance in Florida

Protection for What Moves You

Smart, Flexible Coverage for Boats, RVs & Toys from a Trusted Florida Independent Agency

At FLORIDA WE INSURE AGENCY, we believe your boat, RV, or recreational vehicle is more than just a toy — it’s a part of your lifestyle. From weekend boating in Sarasota to RV road trips through the Keys, we offer tailored recreational insurance coverage across Florida.


 With access to 30+ top-rated carriers, we help you find the best protection for how, where, and when you ride, float, or roam.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Your Recreational Policy Should Cover

Stay protected on land or water with coverage that fits your Florida lifestyle:

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Liability Coverage

Covers injury or property damage to others while using your boat, RV, or off-road vehicle — essential for accident protection.

Comprehensive Coverage

Protects against storm damage, flooding, theft, vandalism, and more — especially critical in Florida's extreme weather zones.

Collision Coverage

Pays for repairs or replacement if your RV or watercraft is damaged in a crash or collision — even if it’s your fault.

Add-ons

Add-Ons That Matter

Enhance your peace of mind with valuable add-ons made for Florida outdoor life:

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Total Loss Replacement

Helps cover the full value of your RV or boat if it’s totaled — not just the depreciated amount.

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Personal Belongings Coverage

Protects your camping gear, fishing equipment, and valuables stored in or on your vehicle or vessel.

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Emergency Assistance

Coverage for breakdowns, towing, and lodging if your RV or boat becomes disabled far from home.

Ask About Recreational Add-Ons in Florida

Storms, accidents, and unexpected breakdowns happen; and Florida weather doesn't wait. Whether you’re parked at a campsite or launching from a marina, your coverage should keep you secure and stress-free.


 We tailor every recreational insurance policy to the way you explore Florida, ensuring you're protected rain or shine.

Why Choose FLORIDA WE INSURE AGENCY for Recreational Insurance?

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30+ Florida Carriers Compared

We find the right policy and rate from top providers — so you don’t have to.

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Built for Florida’s Risks

We understand storm surge, coastal hazards, and seasonal risks — and tailor your coverage to match.

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Annual Policy Remarketing

We re-shop your coverage every year automatically — no hassle, just savings.

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Free Legal Support for Claims

If a claim is delayed or denied, our in-house legal team advocates for you — at no extra cost.

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Local Experts, Real Help

Speak with a licensed agent who understands Florida’s RV parks, marinas, and backroads.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Recreational Insurance FAQs

  • Does recreational insurance cover hurricanes and flooding in Florida?

    Yes — but only if you have comprehensive coverage. This is especially important in Florida, where hurricane damage and flooding are frequent. We always recommend comprehensive coverage for boats, RVs, and other recreational vehicles.


    Get a Quote With Comprehensive Protection

  • Can I insure my RV for full-time living in Florida?

    Yes. If you live in your RV full-time, we’ll set you up with a policy that includes liability, personal property, and loss-of-use coverage. It’s different from traditional RV policies and we’ll make sure it fits your lifestyle.


    Request a Full-Timer RV Quote

  • Is boat insurance required in Florida?

    Florida does not legally require boat insurance for most personal watercraft — but marinas and lenders often do. Even without a requirement, it’s wise to have liability and physical damage protection given the state’s storm exposure and boating activity.


    Ask About Boat Insurance Options

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Service areas

Areas We Serve

We offer recreational insurance coverage for boats, RVs, trailers, and off-road vehicles in these Florida markets and beyond.

We also serve RV full-timers, seasonal boaters, and part-time explorers statewide.

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Boat & RV Insurance in St. Augustine

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Boat & RV Insurance in Jacksonville

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Boat & RV Insurance in Tampa

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Boat & RV Insurance in Sarasota

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Recreational Insurance Across the State of Florida

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Let’s Protect Your Ride, Rig, or Vessel

Whether you're cruising the coast in a boat, living the RV lifestyle,

or off-roading in your side-by-side, we’ve got the right insurance for you.