Boat Insurance in California

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Boating is a popular pastime in California, with many people enjoying the state's scenic coastline, rivers, and lakes. However, owning a boat also comes with responsibilities, including protecting your watercraft and your investment with the right insurance coverage. At Number 1 Insurance, we will help you get the best coverage options for your watercraft.

California Boat Insurance Cover

What Does California Boat & watercraft Insurance Cover?

Boat insurance in California provides protection for your watercraft against a variety of risks, including damage, theft, and liability. Some of the coverages that may be included in a boat insurance policy in California include:

  • Physical Damage Coverage: This coverage pays for repairs or replacement if your boat is damaged or destroyed due to a covered event, such as a collision, fire, theft, or vandalism.
  • Liability Coverage: This coverage protects you if you're found responsible for causing damage to another person's property or injuring someone while operating your boat. Liability coverage may also include coverage for legal fees and court costs if you're sued.
  • Medical Payments Coverage: This coverage pays for medical expenses if you or someone else is injured while on your boat, regardless of who is at fault.
  • Uninsured or Underinsured Boater Coverage: This coverage protects you financially if you're involved in an accident with a boater who doesn't have enough insurance to cover your damages.
  • Personal Property Coverage: This coverage will pay for damage or loss to personal property on your boat, such as fishing equipment, clothing, and electronics.

How Much Does Boat Insurance Cost in California?

The cost of boat insurance in California varies depending on a variety of factors, including the type and value of your watercraft, your boating experience, and the level of coverage you choose. On average, boat insurance in California can cost anywhere from a few hundred dollars to several thousand dollars per year. Working with an experienced insurance agent can help you find the right coverage at a price that fits your budget.

If you're in the market for boat and watercraft insurance in California, consider working with Number 1 Insurance to find the coverage that fits your needs and budget.

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