
Boat & Watercraft Insurance in California
At Pledge Insurance Services, we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. Size, type and value are factors in evaluating your California insurance coverage needs.
- Physical Damage Coverage — protects your boat while in storage and during transport, including fire, lightning, vandalism or theft; also emergency service reimbursement for towing, labor or supplies.
- Liability Coverage — assists in the event of a collision with another boat, dock or other boaters.
- Personal Liability — protecting you or a family member if you cause injury to another person.
- Medical Payments — covers medical expenses if you or someone in your boat is involved in an accident.
- Property Damage — damage caused to another person's property while operating your watercraft.
Possible discounts/coverages: Accident forgiveness, Roadside Assistance, Boat Removal, Boating Safety, Multi policy discounts.
Key coverage highlights
- Hull & machinery coverage
- Liability on the water
- Trailer coverage
- Emergency towing
Common questions
Is boat insurance required in California?
While not always legally required, marinas and lenders typically require coverage. It protects your significant investment.
