Boat/Watercraft Insurance in California

Modesto sits within an easy drive of some of the best boating in California. Woodward and Modesto Reservoirs, Turlock Lake, Don Pedro, New Melones, and the Sacramento San Joaquin Delta all see local boats every weekend from spring through fall. Whether you run a ski boat, a pontoon, a bass boat, or a pair of personal watercraft, we insure the way people around here actually use the water.

Why Your Homeowners Policy Is Not Enough

Many homeowners policies include a small amount of coverage for a boat, and they are usually limited to modest horsepower and low liability limits. A dedicated watercraft policy is broader and built for the exposure. It covers physical damage to the hull, motor, and equipment, liability if you injure someone or damage another vessel or a dock, and medical payments for people aboard your boat.

The Coverages Boaters Often Overlook

On water towing matters more than people expect, because a disabled boat miles from the ramp is an expensive afternoon. Fuel spill liability and wreck removal can be required after a serious loss. Uninsured boater coverage protects you when the other operator has nothing. We also make sure your trailer is scheduled and that your fishing gear, skis, and wakeboards are covered rather than assumed.

Agreed Value and Lay Up Savings

Ask whether your policy pays agreed value or actual cash value, because on an older boat depreciation can gut a total loss settlement. Many carriers also offer reduced premiums during lay up months when the boat is stored, which fits our seasonal boating calendar nicely.

Get Your Boat Covered Before the Next Trip

Larger vessels deserve specialized treatment, so see our yacht insurance page if your boat is closer to a cruiser. For off-road toys and campers, look at recreational insurance. Ready for numbers? Contact our Modesto office and we will quote your watercraft alongside your California auto insurance for possible multi policy savings.

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