Many of our Florida clients purchase some type of watercraft to enjoy in our beautiful waterways. Whether you are operating a jet ski or a 44 foot catamaran, it is important to get the appropriate coverage. Many of the companies writing auto insurance will insure boats, but most home insurance companies will not. Premiums are based a lot more on the value of the boat than on other variables that you'll see effect the price with auto insurance. Some companies will puts caps on how large of a boat they will insure. For example some companies will not insure over 26 feet. Insurance specialists recommends high liability limits for boat policies. This coverage is important and relatively inexpensive.