Watercraft & Boat Insurance in Sacramento, CA
Whether you’re cruising the Sacramento River or planning a trip to Lake Tahoe, every moment on the water should be about enjoyment, not worry. At California Liberty Insurance, we help boat owners understand their coverage needs before they set sail.
What Is Boat Insurance, and Is It Required? 
Boat insurance is designed to provide financial support for various water-related incidents. While California doesn’t legally require boat insurance, many marinas and lenders do. Additionally, operating a boat without proper coverage could leave you financially responsible for accidents, injuries or damage to your vessel. Most boat owners find this coverage essential, especially considering the significant investment of their vessels and the various risks encountered on the water.
What Does Boat Insurance Cover?
Understanding how boat insurance functions allows you to make informed decisions about your coverage needs. The following are common scenarios your policy may help with.
Imagine your boat is damaged in a storm while docked at the marina—your policy may cover repairs. If you accidentally collide with another vessel, your coverage may assist with both the damage to your boat and any liability claims from the other boat owner. When your electronics or fishing equipment are stolen from your boat, your personal property coverage may help replace these items.
Your policy can also account for different situations on the water. For example, liability coverage may cover medical expenses if a guest is injured while boarding your boat. If you need emergency assistance due to a mechanical breakdown, optional towing coverage can allow you to get help to get you safely back to shore. Many policies even help with fuel spill cleanup or wreckage removal if necessary.
Ready to Hit the Water?
Contact California Liberty Insurance to find coverage that matches your boating lifestyle. Our Sacramento team understands local waterways and can guide you through coverage options without the complex insurance jargon.