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Boat Insurance in Roseville, CA

Owning a boat offers boundless opportunities for adventure and relaxation. With this comes the responsibility of protecting it from potential risks. Having boat insurance allows you to enjoy your time on the water without worrying about the financial repercussions of unexpected incidents. photo of people riding power boat

How Does Boat Insurance Work?

When you purchase boat insurance, you pay a premium to an insurer who may cover your boat in case of accidents, theft or damage. The specifics of coverage can vary depending on the policy you choose. If a covered incident occurs, you typically file a claim with your insurance company, which will then assess the situation and provide compensation according to the terms of your policy, minus any deductibles.

What Does Boat Insurance Cover in Roseville, CA?

Boat insurance typically includes a combination of the following protections:

  • Physical damage—Also known as hull insurance, this can cover your boat after damage caused by accidents. Depending on the policy, it may also cover damage from storms, theft and other risks.
  • Liability—This coverage can step in if you’re responsible for injuries or property damage to others while operating your boat. It may pay for legal fees and medical expenses.
  • Uninsured/underinsured boater—This can help cover your costs if you’re in an accident with an at-fault boater who lacks adequate insurance.
  • Personal effects—This may compensate for replacing belongings stored or transported on your boat, such as fishing gear or clothing.

Speak with an insurance agent before buying boat insurance. They can customize a policy to fit your needs and offer advice on coverage options.

Learn More

Smooth sailing starts with the right policy. Call S&G Mitchell Company today at 916-488-4426 to request your boat insurance quote.

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