is not mandatory in Florida
but it's a good idea to have in order to protect you and your assets. In terms of recommendations, I would recommend the basic liability protection, which covers the damage you cause to other people or boats while boating. In addition, physical protection to your boat can be helpful if your boat is in some way damaged. Given your residence in Miami, Florida, I would also recommend making sure you have hurricane coverage. This might not be a standard coverage, so when you shop around make sure you know what you're covered for.