Watercraft & Boat Insurance in Sacramento & Yuba City, CA
Boating across California’s lakes and waterways may expose you to risks like accidents, theft or severe storms. Baja Insurance Services can help boat and personal watercraft owners find the right coverage for their lifestyle and needs.
What Is Covered by Watercraft and Boat Insurance?
A standard policy may include a range of coverage options, such as: 
- Physical damage coverage may pay for repairs or replacement if your boat is damaged by a covered event, such as a collision, storm or vandalism.
- Personal effects coverage may help cover belongings on your boat, such as fishing equipment or electronics.
- Liability coverage may compensate for costs if you’re responsible for causing injury to others or damaging their property while operating your boat.
- Uninsured or underinsured boater coverage may help cover your losses if you’re involved in an accident with someone who has little or no insurance.
- Emergency assistance coverage may provide support for on-water issues such as towing, fuel delivery or other emergencies.
What Does This Policy Exclude?
Policies may exclude normal wear and tear, gradual deterioration and damage from racing or commercial use. Coverage for trailers, electronics and expensive personal belongings may be limited or require a separate endorsement.
How Much Does It Cost?
Your premium may depend on factors like:
- Where and how the vessel is used, such as on inland lakes, in coastal areas or in open water
- The type, size and overall value of the boat or personal watercraft
- Your boating experience, along with any past claims history
- Available safety features on board and how the vessel is stored
- The coverages, endorsements and deductibles you select
Get Insured Today
Contact Baja Insurance Services to get a free custom quote.