What You Should Know About Boat Insurance

Your boat is too important to choose a provider simply because they have lowest rates. If you want to truly be protected while out on the waters, you need to understand the basics of insurance for California boats so that you can choose the right coverage for you. As you conduct your search, here are three basics of boat insurance you should know about.

Is It Required?

You may have to carry boat insurance for a variety of reasons. If you financed the purchase of your boat, the lender will likely require that you carry insurance. Also, many states require at least some form of liability coverage and marinas may require proof of insurance before allowing you to dock your boat.

Types of Boats Covered

Boat insurance covers most boats with motors from small fishing boats to mega yachts. It usually does not cover kayaks, personal watercrafts, or canoes.

Types of Coverages

Most boat insurance providers will offer similar coverages. The coverage types you should expect include:

  • Liability insurance covers you in case your boat causes injury to a person or damages their property.
  • Collision insurance will cover repair or replacement costs but may not cover any cleanup.
  • Comprehensive covers any damage or loss for anything other than a collision.

As boat sizes vary, so does your insurance needs. A provider with experience with insurance for California boats can help you get the coverage that meets your needs and budget.

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Get The Right Insurance For Your Boating Needs

When owning and operating a water vessel you must maintain safety at all times. Even if you are as safe as you can be there will still be times when an incident occurs that is completely out of your control. You may have experienced, at one time or another, a situation in which you’ve had to avoid a reckless boat operator who either wasn’t paying attention, or experienced some type of distraction. In either case, had you not been practicing safety you could have been involved in an accident. This is why we express the need for insurance for California boats.


After all, it may only take a split second to cause thousands of dollars in damage to your boat, not to mention the risk of serious injury. Help protect you and your boat in case of accident, liability, or even theft, so you can concentrate on more important things, like getting back to having fun cruising along the marina.


Why insurance coverage is so vital


Your boat was probably a major expense and something you take special pride in owning. That’s why it’s important that you do your part to help protect your boat, Jet Ski, transport trailer, or any other marine equipment that you own, in the event that they’re stolen or suffer major damage of any sort. Also, you need to help safeguard yourself as well as your family and friends in case of a lawsuit resulting from an accident that you’re involved in.


Boat insurance is not only a necessity for protecting you and your passengers, it’s there to protect your assets from being seized due to a lack of insurance or not being properly covered in the case of a major incident involving a large settlement figure. The right boat coverage can keep you from having to pay for damages out of pocket in the event of an accident. Getting quality insurance for California boats that’s the right fit for you is the best thing you can do for yourself. Talk to an agent that can offer you comprehensive, liability, collision and other boat coverages at affordable current rates.

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