Boating is an exhilarating experience as the wind whips through your hair and the salty mist cools your skin under the blazing sun. As the owner of a boat, you may also find being on the water strikes an accord in your soul that you are unable to find anywhere else. Because you love the water, it is important to protect yourself and your family with insurance. Here are a couple of areas that are often overlooked when people purchase insurance for California boats.

Insurance Isn’t Always the Law

Unlike auto insurance, many states don’t require you to have liability insurance coverage on your boat. However, your bank, boating circuit organization, or marina may demand it as a prerequisite to their partnering with you for loans, sporting events, or docking. What can liability insurance cover?

• Boating injuries
• Property damage (someone else’s property)
• Legal defense
• Fuel leakage

Property Insurance Additions

Insurance costs differ according to the value of your boat, the type of craft, the length of the vessel, and the age of your ship. It is also important to remember that additional property insurance may be necessary if you want to cover towing, salvage, collision, sails, and corrosion.

Insurance Before Boating

Keep the joy in your boating experiences by being protected. Insurance can protect your boat, your family and you. For this reason, if you have a boat on the west coast, look for an agent and find out what insurance for California boats is available to you.