Southwest Florida's waterways are some of the most beautiful — and busiest — in the country. From Naples Bay and the Ten Thousand Islands to the Cape Coral canal system and Marco Island, boating is a way of life here. Bruno covers your boat, jet ski, motorcycle, or RV with the right policy for how you actually use it.
SWFL Recreational Coverage
Whether you're fishing off Marco Island, cruising Naples Bay at sunset, riding the coast on your motorcycle, or exploring Florida in your RV — standard auto or homeowners insurance doesn't cover any of it properly. Recreational vehicles have their own risk profile, and they need dedicated coverage built for how and where you use them in Southwest Florida.
Hurricane season is the biggest risk for boat owners in SWFL. Your policy needs to address haul-out requirements, named storm deductibles, and storage coverage. Many boat owners discover coverage gaps only after a storm — when it's too late. Bruno reviews the exact hurricane plan conditions in your policy before season starts.
Naples Bay, the Cape Coral canal system, and the Intracoastal Waterway are busy during season. A collision causing injury or property damage to another boater, dock, or vessel means personal liability. Without proper coverage, a single accident can result in a lawsuit with no financial protection behind you.
Unlike cars, boats are not required to carry insurance in Florida. A significant share of boaters on local waterways carry no liability coverage at all. If an uninsured boater hits you and causes injury or damage, uninsured boater coverage is the only protection you have. Without it, you pay out of pocket for someone else's mistake.
What We Offer
Agreed value or actual cash value coverage for your vessel, motor, trailer, and equipment. Includes physical damage, on-water liability, uninsured boater, emergency towing, and fuel spill liability. Covers fishing boats, pontoons, sailboats, and center consoles throughout SWFL.
Dedicated personal watercraft coverage for jet skis and WaveRunners. Standard boat policies often exclude PWCs — Bruno places specific watercraft coverage for physical damage and on-water liability so you're protected on Naples Bay, Estero Bay, and the Ten Thousand Islands.
Year-round motorcycle coverage in Florida — liability, comprehensive, collision, uninsured motorist, and medical payments. Florida's climate makes motorcycles a genuine all-year vehicle. Bruno compares carriers for the best rate on your make, model, and riding profile.
Full-timer and recreational RV policies covering the vehicle, personal contents, campsite liability, and total loss replacement. Whether you spend winters in SWFL or use your RV seasonally, Bruno finds the right policy for how you actually live in it.
Free Quote
No pressure. No obligation. Bruno reviews every request personally and responds within 24 hours.
Thank you — Bruno will reach out within 24 hours. You can also call directly: (239) 850-2268.
Common Questions
Licensed Florida agent. Coverage for boats, jet skis, motorcycles, and RVs throughout Naples, Marco Island, Cape Coral, and Southwest Florida.