Boat Insurance

Whether you enjoy sailing, fishing, or just being out on the water, Moncali Insurance can help you select a boat insurance policy that meets the needs of you and your boat. A quality boat insurance policy will give you peace of mind so that you can relax and enjoy your time on the water. We specialize in boat insurance throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, Cardiff, and the surrounding areas.

Boat insurance is not required in California, but with the many risks you face while operating a boat, it is something every boater should consider. Boating accidents can occur at any time, causing injuries to your passengers or other parties, and damaging the boats involved. Generally, a boat insurance policy will provide liability coverage as well as coverage for damage caused to your own boat.

Homeowners insurance policies provide coverage for boats however restrictions are placed on boat size and the coverage is generally insufficient. Without a proper boat insurance policy specifically tailored to your boat, you will likely be underinsured. Fortunately, boat insurance is generally inexpensive and will provide you with the coverage you need to be adequately insured.

California Boat Insurance typically covers:

  • Damage to your boat including the sails, hull, machinery, motor, and trailer
  • New boat replacement
  • Medical payments
  • Wreck removal
  • Damage to other boats and property
  • Bodily injury to another person
  • Fuel spill liability

Optional coverage can be added to a boat insurance policy to enhance your coverage. This can include coverage for personal property, fishing equipment, uninsured boater protection, and towing options both on and off the water.

Any boat that is greater than 26 feet will mostly likely be classified as a yacht. Yachts can face a greater number of hazards and dangers while out on the water due to their larger navigational ranges than smaller recreational boats. With added risks, yachts can have complex and detailed policy structures. Moncali Insurance can answer any questions you have regarding the insurance you need to protect your yacht.

Various policy discounts are available to save California boaters money on their boat insurance premiums. You may qualify for a discount on your boat insurance policy if you own your own home, pay your yearly premium in advance, or have completed a boat safety course. Our experienced staff will find the discounts you are eligible for and help you save the most money on your boat insurance policy.

Moncali Insurance specializes in providing boat insurance solutions to California residents throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff. Contact us today for more information or for a free boat insurance quote!