Boat Insurance

Keeping your family secure to pursue your passions is our number one priority.

Get A Quote

Keeping your family secure to pursue your passions is our number one priority.

Get A Quote

California Boat Insurance

Anchor your coverage and sail easier knowing you’re covered

What’s your favorite part of the open water? Is it the ocean scent wafting over the Pacific Ocean or the spray of water in your face? Do you love fishing out on Shasta Lake or the time spent with family and friends on the San Joaquin River? Whatever you love about it, you know that what you’ve got is special. You’ve worked hard to afford the luxury of time spent on the water in your boat. Don’t let your hard work go to waste in a single accident on the water or at the dock.


In California, Boat insurance isn’t a luxury, it’s a necessity to protect your boat, your family, and yourself.


California Boat Insurance – What’s Covered?

Whether you prefer to sail on the Pacific Ocean or you’re more likely to be found on the Sacramento River, your boat or personal watercraft needs to be covered by insurance. At IBW, we’re able to insurance many types of boats.


  • Motorboats
  • Sailboats
  • Speedboats
  • Houseboats
  • Showboats
  • Fishing vessels
  • Fiberglass hull
  • Cabin cruisers
  • Jetskis, SeaDoos, and other personal watercraft
  • Any factory-build boat or personal watercraft


The type of California boat insurance you need, and the rates you’ll pay, depend on what coverage you select and how often you use your boat.


What does Boat Insurance Cover in California?


  • Your boat
  • The motor
  • A trailer
  • Personal liability
  • Medical payments
  • Property damage


Liability: In California, liability coverage is required to operate a boat or personal watercraft. You must carry at least $15,000/$30,000 for bodily injury and $5000 for property damage. As with any liability coverage, the minimum will likely not be enough in a big or devastating accident.

Comprehensive and Collision Coverage: Like other forms of coverage (auto, RV, motorcycle, etc), this covers you whether you hit another boat, the dock, a rock, or something else. Plus you’re covered if your boat or personal watercraft is vandalized or stolen.

Medical Payments: Injuries can happen in boating accidents, to you, your passengers, and on the other boat. Medical payments coverage makes sure you’re not stuck paying the medical bills.


There are other types of coverage you can include in a California boat insurance policy. All of these coverages help protect you from events that you can’t predict nor avoid.


  • Personal property
  • Pollution liability
  • Trailer coverage
  • Towing and emergency assistance
  • Uninsured boats – similar to uninsured motorists coverage


Fun in the sun and on the water should be a time for relaxing, enjoying your family, and doing what you love. Give yourself one less thing to worry about and make sure your boat and family are protected from accidents and mishaps. Let IBW help protect what matters most to you so you can spend more time enjoying what you’ve worked so hard for. Contact us today!