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Watercraft Insurance California

Watercraft Insurance Allows you to Enjoy What You Love Most

If you are one of those types of people who loves your water sports, then you certainly know the risks that come with the play. Every time you go out on the water there is a chance that an accident may occur. That is why carrying watercraft insurance will keep your water toys protected. At Peninsula General Insurance Agency, a California Insurance Agency located in Torrance, we strive to make sure your watercraft coverage is comprehensive so that you can go on enjoying life.

What types of boats are covered under a watercraft insurance policy?

Your insurance policy will cover most boats that have a motor. Smaller watercraft may be eligible for coverage within your regular homeowners policy, so check with your agent. Here is a list of many of the types of boats include in watercraft insurance:

  • Pontoon boats
  • Fishing boats
  • Motorboats
  • Kayaks
  • Leisure boats
  • Yachts

What is covered with watercraft insurance?

Boat insurance is very similar to automobile insurance. You will have coverage for the following types of issues:

  • Injury to you or a third party
  • Property damage
  • Medical costs
  • Theft
  • Passenger liability

You may want to add extra coverage for such things like:

  • Medical payments
  • Oil spill damage
  • Extra coverage for damage or medical payments
  • Roadside assistance
  • Coverage in case the other party is uninsured or underinsured

Program packages

There are special program packages available for those who spend a lot of time with water activities. One package you can purchase includes water sports liability coverage, which covers the risks related to water recreational activities.

The two types of watercraft insurance

There are two basic types of coverage from which you can select.

Agreed Amount Value

If you choose this policy, the client and insurer agree upon your watercraft value.

Actual cash amount

If you select this type of coverage, then the actual value of your watercraft is the amount you will get.

It’s important to know in advance what type of policy you are choosing so that in the unfortunate event an accident occurs, you are not caught off-guard.

Carrying watercraft insurance is an important part of keeping your boats protected. It also allows you to rest easy knowing that if anything were to happen, you are covered. At Peninsula General Insurance Agency, we work to make sure your policy is exactly what you need to suit your lifestyle. Get in touch with us today for more information.  Please call (877) 539-2533.