Boat & Watercraft Insurance
From the Delta to the coast, cruise covered.
California boaters enjoy everything from Delta sloughs to Pacific blue water. We insure powerboats, sailboats, fishing boats, jet skis, and personal watercraft with coverage built for how and where you actually run.
What's Covered
What boat insurance can include
Every policy is tailored — these are the building blocks we'll mix and match for you.
Hull & Equipment
Agreed-value or actual-cash-value protection for your boat, motor, trailer, and onboard gear.
Watercraft Liability
Covers injuries and property damage you cause on the water, including wake damage and water sports liability.
Uninsured Boater
Protects you and your passengers when an uninsured operator causes an accident.
Towing & Salvage
On-water towing, fuel delivery, and emergency salvage so a breakdown doesn't sink your weekend.
Quote your boat coverage
Two minutes now, a licensed California agent on it within one business day.
Good to Know
Boat insurance questions, answered
Is boat insurance required in California?
The state doesn't mandate it, but most marinas, lenders, and HOA docks require liability coverage — and going without is a major financial risk.
Am I covered out of state or in Mexico?
Policies carry navigational limits. If you trailer to Tahoe, the Colorado River, or cruise into Mexican waters, tell us and we'll set the territory correctly.
Does my homeowners policy cover my boat?
Usually only for very small boats and at low limits. Anything with real horsepower needs its own policy.
More Personal Insurance
Let's get your boat coverage right.
One conversation with an independent agent beats hours of online forms. We'll compare the market and explain your options in plain English.