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What Does Boat Insurance Cover in California?

boat insurance coverage

Typically, your boat insurance in California will cover things like personal liability, the motor, the boat, medical and physical damages, and the trailer. This will vary depending on which boat insurance plan you have and which boat insurance provider you have. If you are unsure, definitely contact your insurance company to go over how much coverage you have and if you may need more coverage. Here are some other common questions people have when buying boat insurance:

Are There Discounts Available for Boat Insurance?
Most boat insurance providers in Long Beach, or other areas of California will offer insurance discounts to help you save money. Typically, the discounts are for having multiple policies with the same insurance company, having a good driving record, and taking a boat safety course.

What is Personal Watercraft Insurance (PWC)?
This type of insurance is for things like a Jet Ski, WaveRunner, or Sea-Doo personal watercraft. There are Marine Insurance providers that offer PWC or personal water craft insurance in California. This can protect your watercraft from accidents, liability, and vandalism. This is not the same as boat insurance.

What Other Boat Insurance Plans Options Are There?
Your boat insurance provider may have additional add-on insurance options like boat towing services with 24/7 dispatch. These are typically added on as extras to your existing coverages.

What Are Typical Coverage Options for Boat Insurance?
Usually, you will be covered for medical payments, watercraft liability, property coverage, repair costs, emergency services, personal effect coverage, boater trailer coverage, and other options. Not all plans include this full list, it is important to discuss specific coverage amounts and situations with a boat insurance expert to learn how much coverage you have and upgrade options.

There are a lot of options for getting insurance for you boat in California. Make sure you know what kind of coverage and pricing is best for you and your boat. Still have questions about insuring your boat? Talk to our boat insurance experts by calling 877-945-7233. We would be happy to answer any questions you have!