Boat Insurance

from California Brokerage Insurance Associates

Boat & Watercraft Insurance

Enjoy a relaxing time on the water and stop worrying about boat insurance coverage. At California Brokerage Insurance Associates, we work with our customers to find the best boat insurance coverage that protects everyone on board, the watercraft, and all the boating equipment. Did we mention that the average watercraft insurance costs less than a dollar a day? That’s less than the cheapest car insurance policy!

At CBIA, we find that many of our customers aren’t sure where to start when it comes to purchasing a San Diego watercraft insurance policy. We understand that finding the right about of coverage is overwhelming, which is why your boat insurance broker takes the time to explain the different types of coverages and how they benefit you.

When you begin shopping for San Diego boat insurance, consider the following:

  • Navigational Area: Boats are only insured for so many miles from the coastline. Know where you’re covered.
  • Agreed Value Coverage: Don’t cut yourself short with an actual cash value policy. If your boat is a total loss, make sure you have the best insurance.
  • Liability: This coverage affects how your personal liability coverage pays out when you’re at fault and damage another person’s boat.
  • Medical Payments: Most medical coverage is available from $500 – $10,000, covering the boat operator, the passengers, and water skiers/tuber, regardless of fault.
  • Physical Damage Coverage: Pays for the coat to repair or replace your boat or watercraft.
  • Uninsured/Underinsured Watercraft Bodily Injury: Because boat insurance isn’t mandatory, protect your property if you’re involved in a boating accident with a boater who doesn’t have San Diego boat insurance.
  • Fuel Spill Liability and Wreckage Removal: Covers the cost of fuel clean-up should your boat cause a leak.

In addition to the above mentioned instances, you should also ask about personal effects, unattached equipment coverage, and emergency assistance coverage. For a boat insurance quote in California, call CBIA today!