Underwriting Boat Insurance Is a Specialized Field

A day out on the boat is one of the best ways to take advantage of the California sunshine, but you do not want to hit the waters under-insured. You must have proper insurance for California boats, especially if you’re boating down into Mexican waters off Baja California. This requires special liability insurance.

Experienced Insurance Company

Boating insurance, especially coverage for crafts navigating off the California coast, is specialized. As such, you want to work with a company that has extensive experience underwriting these policies. For example, the underwriter should

  • Be boaters themselves
  • Have over 50 years boating experience insurance
  • Understand protection in and out of the water

Don’t move forward with a policy if the company cannot boast of this.

Insurance Needs

Boats face special risks, as do their captains and passengers. Your boat may be damaged in its storage area, whether off the water or in the slip, or during transit to and from the water. Other common damages include

  • Accidents
  • Inclement weather
  • Vandalism

Whether you have a fishing, house, pontoon, sail, or speedboat, you need to carry property insurance that will cover

  • Built-in equipment
  • Collisions
  • Hull damage
  • Sails
  • Salvage and other expenses

Don’t hit the water under-insured. It’s never worth heading out to sea or to the lake without full and comprehensive insurance for California boats.