Boat/Watercraft Insurance in California

Navigational Area

Make sure that you read the area in which you will be covered by your boat/watercraft insurance. You may need to add additional coverage for the areas you plan to navigate.

Agreed Value Coverage

This type of coverage allows you to receive the actual value that you insure it for minus your deductible. Boats do depreciate, just as cars do and the actual cash value can make replacement difficult for a boat that is stolen or destroyed in full.

Liability

Your general liability policy in California provides coverage to other boaters if you are found at fault in a boating accident. It will pay to repair or replace someone else's property, pay for medical care, any lost wages, and other costs.

Medical Payments

The medical payments portion of your policy pays for the occupants in your boat as well as your skiers or tubers towed behind the boat, regardless of who is at fault in an accident.

Physical Damage

This portion of your policy, from Voi Insurance Solutions, LLC, pays to repair or replace your boat or watercraft including the motor and any equipment that is attached permanently as well as covering your trailer if it is stolen along with your boat or watercraft.

Uninsured/Underinsured

If you are hit by another boater, and they do not have boater/watercraft insurance, this portion of the policy takes care of your losses associated with the accident.

Fuel Spill Liability and Wreckage Removal

If you are in a major accident while on the water that leaves your boat or watercraft undrivable or leaking fuel and oil, this policy will help pay for clean up and removal of any debris or liquids left behind.

Personal Effects

This portion can cover all your belongings in the boat such as jewelry, clothing, cell phones, and other sporting equipment.

Emergency Assistance

It is advisable to get an emergency assistance package to cover the cost of towing, labor and delivery of gas, or a loaner battery if your watercraft is disabled on the water.

All of these terms can be confusing to boaters. We at Voi Insurance Solutions, LLC in Los Angeles, CA can help you to find the coverage amounts you need to enjoy your time on the water without worries. Reach out to us to talk with an agent about starting a boating/watercraft insurance policy or just to address any questions or concerns you may have.