California doesn't mandate insurance, but marinas and lenders do. Don't put your savings or home at risk.
While California does not legally require recreational boat insurance, operators and businesses typically demand it.
Most marinas, yacht clubs, slip rentals, and boat docks will deny access to facilities without proof of coverage. Furthermore, lenders strictly require it to protect their assets.
If you have an accident involving injury or property damage, you are personally liable for all financial losses.
Without coverage, your savings, home equity, and future wages are directly at risk.
Our policies adapt to your vessel type, whether you operate a Jet Ski, Pontoon, or Yacht.
Essential protection if you are found at fault for injury to another person or damage to their property.
Physical damage coverage for your boat from collisions, theft, fire, flood, or vandalism.
Protects you and your passengers if the person who damages your boat has no insurance.
Covers medical bills for you and your passengers if injured while on board, regardless of who is at fault.
Don't just buy a policy; build a shield. Ensure your quote includes these four essentials to avoid costly gaps in coverage.
Compare QuotesWe recommend choosing the highest limit available. In California, lawsuits can be expensive; don't settle for the minimum.
Critical for newer or high-value boats. Ensure it covers "Agreed Value" rather than "Actual Cash Value" if possible.
Marinas are strict. We verify that your coverage meets the specific liability minimums of your docking facility.
Breakdowns happen. Ensure your policy includes towing, fuel delivery, and wreck removal.
Since insurance isn't mandatory, many boaters don't have it. This protects you if they hit you.
