Florida is a boater’s paradise. Whether you live in Sanibel, Cape Coral, Fort Myers, Estero, Bonita Springs, Naples, Marco Island, or anywhere else in Florida, the Sunshine State is one of the best places in the country to own and enjoy a boat. At East & Greenwell, we help you stay protected, just in case something happens while you are out on the water.

If you own a boat, make sure you ask yourself these questions:

  • Do you have Sea Tow?
  • Do you have an umbrella policy?
  • Do you want Agreed Value if your boat sinks or are you okay with Book Value?
  • Are there accessories that you need to make sure are covered?

These are a few of the questions we will ask so that we can tailor a policy for you that makes sense from a cost perspective and a coverage perspective. Have no idea where to start? That’s okay. We will take all of the guesswork out of the Insurance so that you can focus on enjoying paradise and the beautiful scenery. We’ll also help you save as much money as we can. For example, did you know that you can actually save on your Boat policy if you have your Auto Insurance with the same company? It’s just one of the many ways you can cut back on expenses without cutting back on your coverage.

So let’s talk about putting together a policy that will give you peace of mind as you enjoy the open waters. Here at East & Greenwell, we treat you like family, so you know you’re in good hands.


1. What does boat insurance cover?

What your boat insurance covers depends on the policy you purchase. That’s why we make sure to ask the right questions before matching you with a policy. From property coverage, to liability, medical, and collisions with the uninsured, there are several avenues to consider. We match you with the policy that covers what matters to you at the best value we can find.

2. What does property coverage do for me?

Property Coverage on your Boat Insurance protects your boat or watercraft should something happen to it, whether you have an accident or you experience a theft. This coverage typically protects your boat both on water and land. We’ll pair you with the right level of property coverage based on your habits and needs.

3. Why do I need liability coverage on my Boat Insurance?

If you cause an accident while operating your boat or watercraft and it injures another person or their property, you will be held responsible. Liability Coverage takes that responsibility on for you by helping you pay for the expenses incurred by the incident.

4. What does Medical Payments Coverage do?

When you purchase Medical Payments Coverage for your Boat Insurance, you have the peace of mind of having coverage that helps pay for a portion of the medical expenses that may be incurred from a boating accident, such as medications, hospital bills, tests, or x-rays. The portion covered depends upon the level of Medical Payment Coverage you choose.

5. Why would I need Uninsured Water Coverage?

Not everyone on the water insures their watercrafts. Just because you have insurance doesn’t mean you or your passengers will be covered. If an uninsured boater collides with your boat, they may not be able to afford to help with your medical expenses. That’s where Uninsured Water Coverage comes into play. It will help pay your medical expenses if the boater responsible cannot.