Boat Insurance in California

Secure your boat with E360 Insurance in California. Benefit from comprehensive coverage,
competitive rates, and expert service. Contact us for a personalized quote today!

Boat Insurance in California

Secure your boat with the right insurance company in California. Benefit from comprehensive coverage, competitive rates, and expert service.


At E360 Insurance, we specialize in providing comprehensive boat insurance solutions tailored to meet the unique needs of boat owners in California. Whether you own a sailboat, motorboat, or yacht, our team is dedicated to helping you find the best insurance rates that offer robust protection for your vessel. Our expert agents work with top-rated insurance carriers to ensure you receive the most competitive rates without compromising coverage.

Coverage for Boat Insurance in California

At E360 Insurance, we offer a range of comprehensive boat insurance coverages to ensure your vessel is protected against various risks.

Liability Coverage

  • Bodily Injury Liability: This covers medical expenses, legal fees, and damages if you're at fault in an accident that injures someone else.
  • Property Damage Liability: Pays for damages you cause to another person's property while operating your boat.

Physical Damage Coverage

  • Collision Coverage: Pays for repairs or replacement of your boat if it's damaged in a collision with another vessel or object.
  • Comprehensive Coverage: This policy protects your boat from non-collision-related incidents, such as theft, fire, vandalism, and weather-related damages.

Medical Payments Coverage

  • Medical Expenses: This covers medical costs for you and your passengers if injured in a boating accident, regardless of who is at fault.

Uninsured/Underinsured Boater Coverage

  • Protection Against Uninsured Boaters: Provides coverage if you're involved in an accident with a boater who doesn't have sufficient insurance.

Personal Effects Coverage

  • Personal Items: Covers loss or damage to personal belongings on your boat, such as fishing gear, electronics, and clothing.

Towing and Assistance Coverage

  • Emergency Services: Reimburses costs for towing and emergency assistance if your boat becomes disabled on the water.

Additional Coverages

  • Fuel Spill Liability: Covers costs associated with accidental fuel spills.
  • Wreck Removal: Pays for removing your boat if it is wrecked and poses a hazard.
  • Boat Trailer Coverage: Insures your boat trailer against damage or theft.

Customizable Options

  • Agreed Value vs. Actual Cash Value: Choose between agreed value coverage, which pays the insured value of your boat, or actual cash value, which pays the current market value.
  • Extended Navigation Area: Customize your policy to include coverage for boating in additional geographic areas.

Benefits of Comprehensive Boat Insurance

  1. Financial Protection: Protects you from significant out-of-pocket expenses in the event of an accident or loss.
  2. Peace of Mind: Ensures you can enjoy your boating activities without worrying about potential risks.
  3. Legal Requirements: Meets marina and lender insurance requirements.
  4. Asset Protection: Safeguards your investment in your boat and personal belongings.

At E360 Insurance, we tailor our boat insurance policies to meet the specific needs of each boat owner. Contact us today to learn more about our coverage options and to get a personalized quote.

Is It Mandatory to Have Boat Insurance in California?

In California, boat insurance is not legally required for all boat owners. However, some circumstances make having boat insurance necessary:

  • Marinas and Harbors: Many marinas and harbors require boat owners to carry insurance as a condition for docking or mooring.
  • Loans and Financing: If you have financed your boat, the lender will likely require you to have insurance to protect their investment.
  • Personal Liability Protection: Although not mandated by law, boat insurance is crucial for protecting yourself from potential financial losses due to accidents or damages.

Exclusions of Boat Insurance in California

While boat insurance provides extensive coverage, there are certain exclusions you should be aware of:

  • Wear and Tear: Damage due to regular use and aging of the boat is not covered.
  • Improper Maintenance: Damages resulting from lack of maintenance or neglect are excluded.
  • Racing: Participating in speed contests or races typically voids coverage unless specifically endorsed in the policy.
  • Commercial Use: Using your boat for commercial purposes requires a different insurance policy.
  • Acts of War: Damages caused by war, terrorism, or nuclear hazards are generally not covered.

Average Cost of Boat Insurance in California

The cost of boat insurance in California varies based on several factors:

  • Type and Size of the Boat: Larger and more expensive boats generally cost more to insure.
  • Usage: Boats for high-risk activities like racing or commercial purposes will have higher premiums.
  • Location: Coastal areas may have higher insurance costs due to the increased risk of hurricanes and other weather-related incidents.
  • Coverage Limits: Higher coverage limits and lower deductibles increase the insurance cost.
  • Owner's Experience: Experienced boaters with a clean boating record may qualify for lower premiums.

Depending on these variables, boat insurance can range from $200 to $1,000 per year on average,  in California.

Available Discount Options for Boat Insurance

We offer several discount options to help you save on your boat insurance premiums:

  • Multi-Policy Discount: Bundling your boat insurance with other policies, such as home or auto insurance, can result in significant savings.
  • Safety Course Discount: Completing a boating safety course approved by the U.S. Coast Guard or other recognized organization can qualify you for a discount.
  • Lay-Up Period Discount: If you don't use your boat year-round, suspending coverage during the off-season can save you money.
  • No Claims Discount: Boaters with no claims history may receive lower premiums.
  • Membership Discounts: A member of certain boating organizations can also provide discounts.


What types of boats are covered under boat insurance?

Our policies cover sailboats, motorboats, yachts, jet skis, personal watercraft, pontoon boats, fishing boats, and houseboats.

Who will pay the damage if I get in an accident while towing my boat?

If you get into an accident while towing your boat, your auto insurance typically covers the damage to the vehicle towing the boat. Your boat insurance policy would generally provide coverage for damage to the ship itself.

Can I get discounts on my boat insurance?

Yes, we offer discounts for multi-policy bundling, completing safety courses, seasonal use, claims-free history, and certain memberships.

What should I do if I need to file a claim?

Contact our claims department immediately with details about the incident. We will guide you through the process and assist with repairs or replacements.

How can I ensure I have the right amount of coverage?

Consider your boat's value, usage, and operating locations. Review your policy annually and update it to reflect any changes in your boating habits.

Contact Us

For more information about boat insurance in California or a free quote, contact E360 Insurance today. Our knowledgeable agents are ready to help you find the best coverage for your boating needs.

Call +18888626750 or Request a Quote here.


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Admin Magic Rentals
Admin Magic Rentals
15 February 2024
Great company! Mario & Ciara are the best & always super helpful.
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Pink Elephants Moving And Storage
10 February 2024
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7 February 2024
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1 February 2024
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