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Watercraft & Boat Insurance

As a boat owner, insuring your vessel is essential. Boats are vulnerable to various accidents, which can lead to high repair expenses. Boat insurance can limit out-of-pocket costs following a covered accident. Choosing the right coverage may be challenging, and S&G Mitchell Insurance Agency is here to help you select a policy.

What Is Boat Insurance?

Boat insurance is coverage that financially protects boat owners from covered accidents that damage their vessel. It may also provide liability coverage if boat owners are responsible for others’ bodily injury or property damage through their boat operations.

Like most insurance policies, your insurer will require you to pay an insurance premium in exchange for this financial help after an incident. You may also be required to pay a deductible, an out-of-pocket cost you must pay before your insurance assists you, for certain coverages.

Does Boat Insurance Cover Theft?

Boat insurance coverage options vary among policyholders and it is necessary to consider which coverages best suit your needs. A liability-only typically does not cover theft. However, boat theft is usually covered if you secure comprehensive coverage for your vessel. Comprehensive coverage may also insure against losses from other incidents such as:

  • Vandalism
  • Severe weather
  • Fires
  • Sunken boat

If you have valuable equipment on your boat that is not permanently attached to the craft, you may consider securing additional coverage for added financial protection. A standard boat insurance policy or homeowners insurance policy may offer some coverage if these items are stolen, but it may be inadequate. Speak to an S&G Mitchell Insurance Agency agent to learn more about potential coverage options. Having sufficient insurance can help alleviate the stress of recovering after a theft.

Is Boat Insurance Required in California?

Most states do not require boat insurance, and California is no exception. However, some docks, marinas and storage facilities may require you to carry insurance or proof of financial responsibility. Regardless of requirements, boat insurance can provide excellent financial protection. If a boat accident occurs that is not covered by your policy, you may have to pay hefty out-of-pocket costs.

Where Can I Find Coverage?

If you are a boat owner near Roseville, California, the experienced agents at S&G Mitchell Insurance Agency can assist you in learning more about boat insurance to help you select the right policy for you and your vessel.

Contact us today at 916-488-4426 to request a quote on a policy.

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