Imagine cruising across St. Andrews Bay on your own 24-foot pontoon boat, with up to 12 friends or family members by your side. For $450, you get to captain a luxury 2024 model, spend 4 to 8 hours exploring at your own pace, and enjoy the freedom to create your perfect day on the water. Whether you’re eyeing shelling on Shell Island or just relaxing under a full shade cover, this trip offers a unique combination of adventure and comfort.
What we love most about this experience is how it balances self-guided exploration with practical safety features like insurance, safety equipment, and a comprehensive briefing. Plus, the shade cover ensures you’re protected from the Florida sun, which can be relentless. A secondary plus is the flexibility—you can bring your own grill, water toys, floats, and plan a day tailored exactly to your group’s wishes.
One potential consideration is that you’ll need to be comfortable driving the boat—so non-swimmers or those prone to seasickness should think twice. Also, alcohol is not allowed onboard, which might be a downside for some looking to relax with drinks. This experience suits groups of friends or families wanting a custom, active day on the water with independence rather than a guided tour.
Key Points
- Self-Captained Freedom: You’re in charge of your boat, exploring Panama City Beach at your own pace.
- Comfort and Shade: The pontoon has a full cover and comfortable seating, perfect for staying in the shade.
- Ideal for Groups: Up to 12 people, making it perfect for family outings or friends’ get-togethers.
- Helpful Guidance: A map and orientation highlight the best shelling and snorkeling spots.
- DIY Adventure Supplies: Bring your own grill, water toys, and floats to enhance your day.
- Cost-Effective for Groups: At $450 for up to 12, it’s a good value for a full day’s adventure on the water.
A Practical Overview for Your Day on the Water

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The Experience in Detail
Booking this deluxe pontoon rental offers a flexible, relaxed way to enjoy Panama City Beach. You’ll be navigating a 2024 model with a 115 HP engine, which provides enough power for a lively cruise around St. Andrews Bay and beyond. The rental includes insurance, safety gear, and a safety and operational briefing, ensuring you’re prepared to take the helm confidently—even if you’re new to boating.
The pick-up is straightforward—look for parking against the yellow curbs labeled “marina,” then check in at the Heritage Excursions office, easily accessible from the condo center. The meeting point is designed to be simple, removing the hassle of complicated logistics so you can focus on your fun.
Exploring Shell Island and Beyond
The real highlight here is the freedom to explore. Guided tours are lovely, but we find that having your own boat means you set the pace. A detailed map and orientation are included, pointing out the best spots for shelling—collecting those beautiful, often colorful shells—and snorkeling. Many reviews mention that the best shelling spots are easy to find with the provided recommendations, and shelling here can be a highlight for travelers wanting a tangible souvenir.
Shell Island itself is a major attraction. It’s your own private paradise—wide sandy beaches, shallow waters ideal for kids and non-swimmers, and plenty of space for floats and water toys. You can anchor, grill, or just relax in the boat’s shade while soaking in the views. One reviewer appreciated the full shade cover because “it meant we could stay outside without getting sunstroke,” making it a comfortable experience no matter the time of day.
What to Bring and What Not to Expect
Since food and drinks aren’t included, you’ll want to pack plenty of water, snacks, and perhaps a picnic if you plan to stay long. Bring your own grill if you’d like to cook onboard—though keep in mind that alcohol isn’t permitted onboard, so this isn’t a boozy party cruise.
You’ll also want to bring water toys and floats—many renters find that adding a few inflatables or a snorkel set makes the day more memorable. Just remember, you’re the captain, so bring your driver’s license and a charged smartphone for emergencies or photos.
More Great Tours NearbyThe Real Value
For $450, you’re paying for a full day of exploration with a large group—up to 12 people—making this quite affordable compared to guided tours or renting multiple smaller boats. The flexibility to decide where to go, how long to stay, and what to do makes this a personalized adventure. Plus, the safety equipment and insurance coverage provided give peace of mind, especially for first-timers.
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Authentic Feedback from Past Visitors
Many reviewers have praised the simplicity and convenience of the rental process. One mentioned, “It was so easy to check in and start our day,” highlighting the straightforward logistics. Others appreciated the shade cover, noting that “we stayed comfortable in the sun without feeling overheated,” which isn’t always the case with open boats. A few pointed out that you do need to be comfortable driving, but with the briefing, most felt confident before heading out.
Who Will Love This Experience?
This rental is perfect for groups who want freedom and flexibility—families with kids (non-swimmers should be cautious), groups of friends looking for a relaxed day, or even couples wanting a romantic cruise. If you enjoy self-guided adventure and don’t mind taking the wheel, this trip offers the chance to customize your day on Panama City’s waters.
The Sum Up

Choosing this pontoon rental means opting for a tailored day of fun and relaxation in Panama City Beach. It offers a cost-effective way for up to 12 people to explore Shell Island and St. Andrews Bay at their own pace, with the added comforts of shade, safety, and expert recommendations. It’s especially suitable for those who want independent control over their itinerary and enjoy a laid-back approach to boating.
If you’re looking for a flexible, comfortable, and memorable water experience, this rental ticks all the boxes. It’s ideal for groups eager to create their own adventure—whether it’s lounging under the shade, shelling for keepsakes, or simply enjoying a scenic cruise across Panama City’s beautiful waters.
FAQ
Do I need a boating license?
No, you don’t need a boating license. You will receive a safety and operational briefing, and you’ll be the captain of your boat during your rental.
What is included in the rental?
The rental includes a 2024 115 HP pontoon boat, insurance, safety equipment, a map, and a safety briefing. Fuel is also included.
Can I bring my own food and drinks?
Not exactly—food and drinks are not provided, but you can bring your own to enjoy onboard. However, alcohol is not allowed onboard.
How long can I rent the boat?
You can choose between 4 to 8 hours, giving you plenty of time for exploration, shelling, and relaxing.
What should I bring?
Bring your driver’s license, charged smartphone, water toys, floats, snorkel gear, and any food or grill if desired.
Is the boat suitable for non-swimmers?
Non-swimmers should exercise caution; shallow waters around Shell Island make it safer, but always supervise children closely.
Can I explore Shell Island?
Yes, Shell Island is a highlight, and you can spend as much time as you like exploring, shelling, or just relaxing.
Is it suitable for families?
Absolutely, especially if your family enjoys independent adventures and is comfortable on the water. Non-swimmers should be cautious.
How do I find the meeting point?
Park against the yellow curb labeled “marina,” then follow signs through the condo building to check in at the Heritage Excursions office.
What if I need to cancel?
You can cancel up to 24 hours in advance for a full refund, offering flexibility if your plans change.
Choosing this deluxe pontoon rental in Panama City Beach offers a chance to enjoy the water at your own pace, with comfort and safety built-in. It’s a fantastic option for those who value independence, flexibility, and a bit of adventure, all amid stunning Florida scenery.
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