Save More. Cover More.
North Florida's Low-Cost Boat Insurance Experts.
Stop overpaying for boat insurance. We shop six A+ rated carriers to find you the lowest rate — with agreed value coverage, hurricane protection, and full liability defense built in.
Local agents in Tallahassee and Jacksonville. Serving all of Florida and Georgia. Most quotes delivered within one business day.
A+ Rated Carriers
We shop them all so you don't have to
Average Client Savings
Compared to single-carrier quotes
Years Serving North Florida
Award-winning local expertise since 2012
Average Quote Turnaround
Fast, personalized, no-obligation quotes
Why North Florida Boat Owners Trust Us
Local Expertise. National Strength. Lower Rates.
Established 2012
Award-winning agency since 2012
Two Local Offices
Tallahassee & Jacksonville, FL
FL & GA Service Area
Gulf Coast to Atlantic Coast
Six A+ Rated Carriers
Best-in-class financial strength
Dedicated Local Agents
Real people who know your waters
Our Carrier Network
Backed by Six A+ Rated Carriers
We don't lock you into a single insurer. We compare rates and coverage across six nationally recognized, A+ rated marine insurance carriers — so you get the best protection at the lowest available price.
Classic & Collector Vessels
Wooden, Vintage & Classic Boats
- Agreed Value coverage — full insured amount paid at total loss
- Specialized protection for classic wooden and fiberglass hulls
- Coverage for vintage, antique, and collector-grade vessels
- Flexible navigational territory including coastal and inland
- Competitive rates for boats of all ages and hull types
Everyday Recreational Boating
Pontoons, Bass Boats, PWC & Sailboats
- Physical damage for accidents, storms, and covered perils
- Liability protection for bodily injury and property damage
- Theft coverage for vessel, motor, and on-board equipment
- Multi-policy discount when bundled with home or auto
- Covers sailboats, bass boats, pontoons, and PWC up to 32ft
Comprehensive Package Coverage
Full-Featured Marine Packages
- Tiered packages — entry, mid, and elite — for every budget
- Total loss replacement cost on mid and elite tiers
- Diminishing deductible that rewards claim-free years
- Hurricane haul-out, boat lift coverage, and trip interruption
- Pollution liability and 24/7 dedicated claims adjusters
Plus three additional A+ rated carriers including national marine specialists — giving you the widest competitive comparison available in North Florida. All carriers maintain top-tier AM Best financial strength ratings.
Comprehensive Marine Protection
Coverage Built for Serious Boat Owners
Every policy is structured to protect your investment, your passengers, and your personal assets — with the depth of coverage that high-value vessels demand.
Agreed Value Coverage
Core ProtectionYour boat is insured for its full agreed value at policy inception — no depreciation deducted at claim time. What you insure for is exactly what you receive.
Total Loss Replacement Cost
Foremost EliteFor newer vessels, replacement cost coverage ensures you can restore your investment to like-new condition without out-of-pocket shortfalls. Available on select packages.
Hurricane Haul-Out Reimbursement
Storm CoverageWhen a named storm threatens, we cover reasonable haul-out and storage costs to protect your vessel — a critical benefit for North Florida boat owners on both coasts.
Navigational Territory Flexibility
All WatersCoverage follows you from the Gulf Coast to the Atlantic Intracoastal, with options to extend your territory as your adventures grow — including offshore and coastal Georgia.
Towing & On-Water Assistance
Emergency24/7 emergency towing, fuel delivery, and on-water assistance so you're never stranded — from Apalachicola Bay to the St. Johns River. Up to $3,000 reimbursement available.
Personal Effects & Fishing Gear
On-BoardFishing gear, electronics, safety equipment, apparel, and personal belongings aboard are protected against damage, loss, or theft — including guests' property.
Liability Protection
Asset DefenseRobust watercraft liability coverage protects your personal assets if you're responsible for injury or property damage to others on the water — including watersports liability.
Medical Payments
HealthCovers medical expenses for you, your family, and guests injured aboard your vessel — regardless of fault. Critical for high-traffic North Florida waterways.
Optional Umbrella Layering
PremiumFor high-net-worth owners, we layer a personal umbrella policy on top of your marine liability for comprehensive multi-million dollar asset protection.
Diminishing Deductible
SavingsYour deductible decreases each claim-free year — rewarding responsible boat owners with lower out-of-pocket costs over time. Available on Foremost Plus and Elite packages.
Pollution Liability
EnvironmentalCoverage for fuel spill cleanup costs and third-party pollution liability — protecting you from costly environmental incidents on Florida's protected waterways.
Boat Lift & Marina Coverage
StorageCoverage extends to your boat lift, dock equipment, and marina storage arrangements — so your vessel is protected whether it's in the water or on the hard.
Bundle & Save on Home and Auto
Combine your boat policy with home and auto coverage across our carrier network for meaningful multi-policy discounts and simplified claims management.
Built for This Region
We Know North Florida Waters.
From the emerald flats of the Gulf Coast to the tidal rivers of the Atlantic Intracoastal Waterway, North Florida presents a unique set of marine risks. Our team understands the seasonal storm patterns, marina storage requirements, and hurricane exposure that define boating in this region.
We work with boat owners across Tallahassee, Jacksonville, Panama City, Pensacola, and every coastal community in between — as well as throughout Georgia. When a named storm enters the Gulf or Atlantic, you need a policy and an agent who are already prepared.
Tallahassee Office
Serving the Gulf Coast, Big Bend region, and all of Northwest Florida
8511 Bull Headley Rd, Tallahassee, FL 32312
(850) 421-1599Jacksonville Office
Serving the Atlantic Coast, St. Johns River corridor, and Northeast Florida
11555 Central Pkwy #604, Jacksonville, FL 32224
(904) 363-9393Six A+ Rated National Carriers
Our carrier partners hold top-tier AM Best financial strength ratings, ensuring your claims are paid — even after a major hurricane event.
Real Client Reviews
What Our Clients Say
Rated 4.2 stars across 800+ verified reviews from our Tallahassee and Jacksonville offices.
“I’ve had an excellent experience with this company for both auto and home insurance. Bundling my policies was simple, the rates were competitive, and the coverage options were clearly explained. Customer service has been outstanding—friendly, responsive, and always helpful.”
Fernanda C.
Tallahassee, FL • Jan. 2026
“My agent is outstanding at her job. She assisted me in several ways and when I had questions she answered my phone call and returned calls as she said she would. E-mail follow-up was also outstanding. I am so grateful for the attentive, personal service.”
Kathleen C.
Tallahassee, FL • Feb. 2026
“So far everyone I worked with was professional, forthright, and pleasant to work with. The team took the time to walk me through my options and made sure I understood exactly what I was covered for before I signed anything.”
Russell L.
Jacksonville, FL • Nov. 2025
No Obligation · Free Quote
Get Your Custom Boat Insurance Quote
Tell us about your vessel and a local North Florida agent will reach out with a personalized, low-cost quote — typically within one business day.
Tom Paterson
Founder & Principal Agent
A Company Built to Save You Money and Offer the Best Protection.
Tom Paterson founded this agency in 2012 with one goal: build a company designed to save boat owners money while delivering the strongest coverage available. Today, Tom Paterson Insurance serves thousands of boat owners across Florida and Georgia from our offices in Tallahassee and Jacksonville.
We shop six A+ rated carriers on your behalf — comparing rates, coverage depth, and claims service — so you get the best protection at the lowest available price. That's not just our pitch. It's how we're built.