California has coastline and inland water sources to contribute to its boating culture. If you plan to buy a boat, this is likely a serious financial investment. Most boaters carry some degree of boating insurance to help mitigate risks.
When boating in California, you face certain operational requirements mandated by the state. Use care when operating the vessel in California waters. Also have the proper boat insurance with you at all times.
California Boating Laws
California requires that most boaters register the vessel with the state. The state does not require recreational boaters to carry licenses. However, children under the age of 16 cannot operate most boats, with a few exceptions.
Operational requirements help ensure the safety and security of those on the water. But, you shouldn't just stop there. Boating insurance is another way to protect your financial security if you own a boat.
Boat Insurance in California
California does not require boaters to carry boat insurance. Likewise, the state doesn’t set forth any minimum insurance requirements. However, this doesn’t mean that you should go without boat insurance.
Take stock of the risks you face as a boater. Will you carry passengers? How and under what conditions will you operate your boat? Ask yourself these questions before you buy a policy. They might help you guide your insurance agent as they develop coverage.
Standard boat insurance comes with many different coverage options to consider. In most cases, it is best to carry some degree of each specific coverage.
- Collision Coverage: An accident might damage or destroy the boat. Collision coverage can help you make repairs or replace the vessel.
- Comprehensive Coverage: More than just an accident could damage your boat. Should a hazard like a fire or theft damage the boat, this coverage can help repair or replace it.
- Liability Coverage: This coverage may help settle claims if you are at fault in an accident. The policy means to protect you in case you cause harm to others in the course of boating. Liability coverage should extend to both bodily injuries and property damage.
- Medical Payments Coverage: Should you or your passengers sustain injuries, you might need help meeting your medical costs. Coverage can help you provide funds for medical care, lost wages and other costs.
Check with your insurance agent about any limits and exclusions in your coverage. Make sure your policy will always cover you for total hull loss and salvage costs. Also check to ensure the policy doesn’t have limits on where you can take the boat.
Gary Warner Insurance Agency, Inc. has your Agoura Hills boat insurance needs in mind. Call us at (818) 706-8625 for more information. One of our agents can help you get coverage right now.