With its year-round sunny weather and numerous bodies of water, California has been a haven for boating enthusiasts.
Although the state’s laws only require individuals who operate a watercraft to secure a boater card, the fact remains that boating exposes you to various risks. If you are planning to sail out to the vast ocean to celebrate a milestone or spend a weekend with friends on a lake, make sure you, your boat, and everyone with you are well protected.
Keep Yourself and Your Investment Safe All the Time
Boat insurance frees you from financial worries when an untoward incident strikes. No matter where your boat is, whether it’s out at sea, on the shore, or in storage, boat insurance ensures it is protected at all times, depending on the coverage you buy.
Without an insurance cover, you pay for the repair and replacement of your boat or someone else’s boat, your or another person’s medical bills, and even legal expenses out of your pocket, depleting your savings in the process.
A typical boat insurance policy often includes liability, property, medical payments, and uninsured/underinsured watercraft coverage. The policy provides comprehensive, collision, personal effects, and emergency assistance coverage as well. However, you can include add-ons to your policy for extra protection, such as:
Wreckage removal and fuel spill liability: Your watercraft could spill fuel or oil into the water if it sinks or is severely damaged in an accident. This coverage handles all things related to cleaning up the mess, including the recovery of the wreckage.
Unattached equipment coverage: This provides for the repair and replacement of items used on your boat but are not permanently installed in your boat. Items range from anchors, oars, and fire extinguishers to life-saving equipment, tarps, and water skis.
Cruising extension coverage: Some boat insurance providers offer additional but temporary coverage if you cruise out of the country.
Types of Watercraft Covered
Picking the right coverage largely depends on the type of watercraft you have. Insurance firms insure multiple types of boats, including:
Request a Tailored Boat Insurance Coverage in California
Whatever boating activities you frequently engage in, whether in freshwater or saltwater, purchasing a boat insurance policy is surely something that has crossed your mind.
We can personalize policies to meet your lifestyle and financial goals. Don’t hesitate to call us at 925-866-1444 to know more.