Watercraft & Boat Insurance

If you own a boat, having adequate insurance is essential. Accidents can lead to high recovery or repair costs. Boat insurance can limit the out-of-pocket expenses you must pay following an accident. Selecting the right policy can be challenging, which is why Unity Stone Insurance Services is here to help. 

What Is Boat Insurance? 

Boat insurance is a form of financial protection that boat owners get to reduce out-of-pocket costs following a covered accident. Most policies require you to pay an insurance premium to your insurance carrier in return for financial assistance after an accident. Additionally, you may be required to pay a deductible, an out-of-pocket cost after a covered incident before insurance kicks in. 

How Much Is Boat Insurance? 

Boat insurance coverage rates vary among policyholders. Insurers may use factors such as your insurance claims history and boat model to determine how much to charge for insurance. A boat owner with a clean operating record and no insurance claims will commonly pay less for coverage than someone who has filed several insurance claims. 

Is Boat Insurance Required in California? 

California law does not state that boat owners must carry insurance. However, some marinas may require proof of financial responsibility for you to store your vehicle there. Regardless of requirements, having boat insurance can significantly reduce accident-related costs. The agents at Unity Stone Insurance Services can help you learn about choosing the proper coverage. 

How Do I Get Covered? 

If you are a boat owner near La Palma, California, the experienced agents at Unity Stone Insurance Services can assist you in learning about insurance policies for your watercraft. 


Call us today at 877-428-8747 to request a quote on a policy.