Personal Watercraft Insurance


Personal Watercraft Insurance

If you are a sailing enthusiast or just an ocean admirer with a sea vessel you know that many unforeseen situations can occur on the open ocean. Having an agent go over proper loss, liability, and value specifications of your vessel is pivotal for proper protection. Such factors to consider are loss history, waters the vessel will navigate and its actual value. Since most policies of this nature are written based on “agreed value”, which represents the current market value of the vessel at the time it was written, owners should be cautious of cheaper options that only offer actual cash value. Liability coverage for marine policies are increasingly requiring higher limits. Fortunately, increasing these limits typically does not significantly increase premiums.

California Watercraft/Boating FAQ

  • Do I have to register your boat? Generally every sail powered vessel over eight feet in length and every motor driven vessel is subject to registration.
  • Do I need a license to operate a boat? No you are not required to have a boating license in California to operate a vessel.
  • How old do you have to be to operate a boat? No persons under 16 years of age may operate a motorboat more than 15 horsepower.
  • Is boating/watercraft insurance required in California? No, it is not a requirement but it’s a good idea to have it. Say you or someone else damages your boat or a passenger gets injured while on board, will you be prepared to pay for the damages and/or medical bills out of pocket? Like other forms of insurance, boat coverage can protect you in the event of a loss.

Experienced agents can fully assess the specific parameters of your marine policy so that you are not left with gaps in coverage.

Do you have questions regarding your existing policy or would like a free watercraft quote? Call us at