California law doesn’t require watercraft/boat owners to carry insurance. However, this doesn’t mean that insurance won’t be required for some other reason. Our El Centro, CA team at Armorcrest Insurance Services is committed to helping boat owners understand the benefits of insurance and situations where boat insurance may be required. 

What is Boat Insurance?

Boat insurance provides liability protection and coverage to help repair or replace your boat if it’s damaged. Watercraft liability coverage, like auto liability, provides coverage for repairing or replacing someone else’s boat if you damage it. Watercraft liability coverage also provides coverage for personal injuries you may cause to others due to an accident or situation where you’re found at fault. Watercraft insurance generally covers boating accidents and situations on both land and water. Although boat insurance isn’t required in California, you may still be required to carry it if you are financing your boat.

My boat is old. Is boat insurance worth it?

Although your boat may be old, investing in it to dock at some marinas, storing it, or using the marina facilities may still be a good idea. Typically, some form of liability coverage is required. Liability coverage covers any property damage or injuries you may cause to others or the marina. Although the monetary value of your boat may not be substantial, watercraft liability insurance can provide financial and legal protection if you’re deemed at fault for an accident. If you have more questions about boat insurance, call us. We’d be happy to answer all of your questions.