California has approximately 840 miles of coastline, beautiful lakes and rivers. It’s, therefore, a perfect state for boat owners. What’s more, nothing comes close to enjoying a dash of wind through your body as you boat.
Unlike other states, boating in California presents a unique set of perils to vessels—earthquakes, ice and freezing damage, rock damage, or fires. Boat owners, therefore, require a particular policy to protect their investment.
If your boat sustains damage after colliding with the docks, you may incur a significant expense to make repairs. Consider speaking to a trusted boat insurance agent about your coverage options to comply with the California boat insurance requirements.
California doesn’t require you to buy insurance before registering your boat. Nonetheless, you may need boat insurance coverage to dock in specific marinas. Also, if you’ve purchased the boat through finance, your lender may require you to have a policy.
Similarly, if you’re using the boat for commercial purposes, you may need coverage to protect your crew and clients.
Whether the requirement exists or not, you need coverage as it can save you lots of money in case of an accident or if someone steals or vandalizes your vessel.
Boat insurance covers many vessels, including motorboats, sailboats, fishing vessels, cabin cruisers, showboats, jet skis, speedboats, and different factory-built boats.
Boat insurance coverage varies from one provider to the other. In addition, some coverage comes standard with one policy and is optional in others.
However, most boat insurance packages offer some or all of the following types of coverage:
Anything can happen in the waters: a collision, theft, vandalism, or stalling. If uninsured, you could lose your investment or incur a massive and unplanned expense. To that end, it is recommended to prepare for unforeseen risks using boat insurance.
More importantly, acquire the insurance package from a reputable, trusted agent like Panorama Insurance Agency.
Contact us online or call us at 818.579.9663 to request a quote.