Boat & Watercraft Insurance
Protect your boat, jet ski, or watercraft on California's waters
California Boat Insurance
While California doesn't legally require boat insurance, marinas, lenders, and common sense do. If you finance your boat, your lender will require coverage. Most marinas require liability insurance. And one accident on the water can result in hundreds of thousands in damages and medical bills.
Your homeowners or auto insurance does NOT cover your boat. You need a separate watercraft policy for proper protection.
What We Cover
⚖️ Liability Coverage
Covers bodily injury and property damage you cause to others while operating your watercraft.
🚤 Hull/Physical Damage
Repairs or replaces your boat if it's damaged in a collision, storm, fire, theft, or vandalism.
🏥 Medical Payments
Covers medical bills for you and your passengers injured in a boating accident.
🚫 Uninsured Boater
Protects you if hit by a boater with no insurance.
🔧 Towing & Assistance
On-water towing, fuel delivery, and emergency assistance.
🎣 Personal Effects
Covers fishing gear, electronics, wakeboards, and personal items on board.
Watercraft We Insure
How Much Does Boat Insurance Cost?
Boat insurance in California typically costs 1-2% of the boat's value per year:
| Watercraft | Annual Cost |
|---|---|
| Jet Ski / PWC | $150 - $500/yr |
| Small Fishing Boat | $200 - $500/yr |
| Pontoon Boat | $300 - $800/yr |
| Ski/Wake Boat | $500 - $1,500/yr |
| Cabin Cruiser | $1,000 - $5,000/yr |
Get Your Free Boat Insurance Quote Today
Our licensed agents shop multiple carriers to find you the best coverage at the lowest price. Hablamos Español.
Frequently Asked Questions
Is boat insurance required in California?
No — California does not legally require boat insurance. However, your lender will require it if you finance, and most marinas require proof of liability coverage for docking.
Does my homeowners insurance cover my boat?
Most homeowners policies only provide very limited coverage for small boats (under 25 HP). Larger boats, jet skis, and any watercraft used regularly need a separate policy.
What's the difference between agreed value and actual cash value?
Agreed value pays the pre-set amount if your boat is totaled. Actual cash value pays the depreciated market value. Agreed value is better for newer or custom boats.