California Boat Insurance – What You Need To Know About Boat Insurance

When you’re looking to hit the water with your boat to enjoy the great outdoors, you should consider adding boat insurance or PWC (Personal WaterCraft) insurance to your vessel.  This is advisable even if you have a simple boat with the intentions of just fishing, the point of boat insurance is that you never know what will happen out there in the water.  It’s always good to be prepared and to have protection against any possible outcome.  Friant Insurance Agency in Temecula, CA specializes in boat insurance and can explain further what is legally required in the state of California.


You’re not required by state law to carry boat insurance, but it’s highly advisable to do so to protect yourself and your loved ones financially.  California state law requires that all occupants of a boat must wear life jackets while over the open waters.  The law also requires safe boating practices including similar drinking laws that govern motor vehicle use and BAC (Blood Alcohol Content) levels.

What Does Boat Insurance Cover?

Boat Insurance covers events that damage your boat and other boats (if damaged) in the case of an accident over the water, this type of coverage is aptly called collision coverage.  Liability coverage covers damages and injuries to other parties in the case of an accident.  For instance, if your boat collides with another boat and causes damage to that boat, your liability coverage will cover the damages to fix that boat and make it seaworthy again.

Another facet of boat coverage is medical coverage and this kicks in when other parties are injured and have to seek medical attention to treat their injuries.  Their medical bills will be covered under your medical coverage in your boat insurance policy.  There are other facets as well including Comprehensive, Emergencies, On-Water Towing, Labor Charges, and others.

To Learn More

For more information about boat insurance, please contact Friant Insurance Agency in Temecula, CA today!