California boat owners aren’t required to carry boat insurance. However, there may be other reasons why boat owners may need to invest in boat insurance aside from state laws. Regardless of the frequency of use, you may still be required to purchase boat insurance to use your boat in certain places or at all. Our team at Friant Insurance Agency is dedicated to educating Temecula, CA residents on all the benefits of boat insurance.

What is Boat Insurance?

In short, boat insurance provides financial and legal protection from damage or personal injuries you may cause to others while boating. Boat insurance can also cover damage your boat may incur in an accident. Watercraft/boat insurance is similar to car insurance in providing coverage and protection from liability claims, property damage, and damage to your boat due to an accident. Boat insurance will pay for the repair and replacement of your boat. This coverage is provided for boats both on and off the land. 

I only use my boat once a year. Is boat insurance worth the expense for me?

Even though you may use your boat infrequently or not very much, you may still be required to carry boat insurance. If you have a boat loan, your lender will likely require you to carry boat insurance. Also, many marinas require boat owners to have insurance to store or dock their boats. Boat insurance protects marina owners and other boaters who may incur property damage or personal injury. If you have questions about boat insurance, call us. We can help. We’d be happy to explore your options and answer all of your questions.