Boat Insurance  Fort Myers - Mr Auto Insurance

Boat Insurance Fort Myers - Mr Auto Insurance

Boat Insurance Fort Myers With Mr Auto Insurance

Boat Insurance Fort Myers with Mr Auto Insurance helps you protect your investment whether you dock at the Caloosahatchee, fish in Pine Island Sound, or cruise around Sanibel. Fort Myers residents know that boat insurance isn’t just for hurricanes — it’s for theft, damage, and liability any day of the week. At Mr Auto Insurance, we tailor marine policies that work for real boaters in Lee County, from seasoned anglers to weekend explorers.

Types of Boat Insurance Fort Myers Policies We Offer

Fort Myers boat owners often ask what kind of boat insurance they need. The answer depends on how and where you use your watercraft. We offer:

• Liability coverage for damage or injury you may cause
• Collision coverage for physical damage to your boat
• Comprehensive protection for weather, vandalism, or theft
• Uninsured boater protection to cover the gaps when others aren’t insured
• On-water towing and fuel delivery

Whether you're running a flats boat along Estero Bay or sailing out toward Captiva, we’ve got you covered with affordable premiums and fast claims service.

Fort Myers Boat Owners Trust Our Local Experience

Lee County boaters deal with unique risks — saltwater corrosion, seasonal storms, marine theft, and even alligator damage in inland canals. That’s why local knowledge matters. We help boat owners across Fort Myers neighborhoods like Whiskey Creek, Iona, and McGregor understand their policy inside and out. It’s not a cookie-cutter plan — it’s built for the water you’re on.

We Insure All Types of Watercraft in Fort Myers

From pontoons and personal watercraft to deep-V offshore boats and jet boats, we write policies for:

• Center consoles
• Bass boats
• Jet skis
• Cabin cruisers
• Deck boats
• Sailboats
• Skiffs
• Dinghies
• Kayaks and canoes (optional endorsements)

We’ve insured boaters out of Tarpon Point, the Fort Myers Yacht Basin, and even backyard docks along the Orange River.

Boat Insurance Fort Myers ZIP Codes We Serve

Mr Auto Insurance proudly serves all Lee County ZIP codes for boat insurance:

33901, 33903, 33905, 33907, 33908, 33912, 33913, 33916, 33919, 33966, 33967, 33973, 33993

If you're not sure what coverage works for your ZIP code or boating area, call us and we’ll explain it in plain English.

Common Boat Insurance Claims in Fort Myers

We’ve seen it all:

• Dock scrapes during tide changes
• Lightning strikes in Gateway and San Carlos Park
• Stolen motors near Downtown
• Damage from floating debris after storms
• Trailer incidents on Colonial Blvd or I-75
• Fire damage from onboard electrical faults

Every claim is a little different, and our staff helps you file correctly and get paid faster.

Why Fort Myers Boat Owners Choose Mr Auto Insurance

We’ve been in Fort Myers since 1985 — locals know us by name. You’ll speak with real agents, not call centers. You can walk into our office near Cleveland Ave and Colonial Blvd and leave with same-day boat insurance coverage.

We don’t just write policies — we help you understand them, review them, and save money on them.

Looking to bundle your auto insurance in Fort Myers or RV insurance in Fort Myers? We can help you cut costs without cutting corners.

Frequently Asked Questions – Boat Insurance Fort Myers

How much is boat insurance in Fort Myers?

Most policies range between $150 to $600 per year, depending on boat size, engine power, use, and storage location. Fort Myers coastal and canal zones may require flood or hurricane riders.

Is boat insurance required in Florida?

Not by law — but marinas, lenders, and HOAs often require it. Liability coverage is especially recommended if you transport passengers or dock at public facilities.

Can I get full replacement value on my boat policy?

Yes. We offer both agreed value and actual cash value policies. Agreed value locks in a payout, while ACV factors in depreciation. Ask us which makes more sense for your vessel.