Work hard, play hard!  Melissa Ems Insurance Agency has a range of coverage options to accommodate every need when it comes to boats, jet skis, wave runners, sailboats and water crafts.   We offer a multi-policy discount on your auto when insuring your boat (50’ and under) with us as well as agreed value and actual cash value policies with additional optional discounts & coverage including:

  • Total Loss Replacement
  • Disappearing deductibles
  • Pet coverage
  • Personal property coverage
    (normally subject to your homeowner’s deductible)
  • Fuel spill & wreckage removal
  • Towing & labor expenses
  • Fishing equipment coverage up to $20,000
  • 24 hour roadside assistance
  • Safety course discount
  • Original owner discount
  • Multi- boat discounts
  • Homeowner discount
  • Claim free renewal discount
  • Small claim forgiveness
  • Prompt payment discount
  • Responsible driver discount
  • Idle Assisted Steering discount

Get a quote today.




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Melissa Ems Insurance logo

3446 49th Street North
St. Petersburg, FL 33710

Call 727.321.9828
Fax 727.321.5105

Monday 8:30am – 5pm
Tuesday 8:30am – 5pm
Wednesday 8:30am – 5pm
Thursday 8:30am – 5pm
Friday 8:30am – 5pm
Saturday By Appointment