Customized Boat Insurance San Diego Solutions
With our customized, all-in-one approach, you can get the liability coverage insurance and feel happy out on the water without any worry. The leading San Diego boat insurance company is here to help you to make the most of boating pursuits with insured protection of your water crafts, along with additional services.
#1 Boat Insurance California Expert
We automatically include liability to cover damages and injuries you cause if you hit another boat, person, buoy, dock, or something else. Plus, our agency offers collision and comprehensive that cover damage to the boat in addition to other policies and benefits that you may not acquire with every insurer. We are recognized as a leader in California boat insurance thanks to variety of coverage options:
- Watercraft liability;
- Uninsured watercraft coverage;
- Watercraft medical payments coverage;
- Property coverage;
- Personal effects coverage;
- Emergency savings coverage;
- Additional boat equipment coverage;
- Boat trailer coverage;
- Repair cost endorsement coverage;
- Bodily injury coverage;
- Collision coverage;
- Comprehension coverage.
Why Choose H&M Insurance?
We are in the boat insurance sector for more than 50 years. Our experienced agents keep your priorities and preferences on the top when it comes to providing an insurance quote. H&M isn’t like other insurance companies.
- Customizable coverage to meet your needs;
- 50 years of experience;
- Family-owned company;
- We partner with top-rated insurance firms;
- Fast, east, and free no-obligation quotes;
- Best boat insurance rates in California;
- Multi-policy discounts.
Boat Insurance San Diego Specialist – Call (619) 296-0005 Today
If you’re seeking for a reliable and affordable insurance policy for your watercraft, contact the San Diego boat insurance experts at H&M by calling (619) 296-0005 today.
GET BOAT INSURANCE
QUOTE TODAY!
H&M Insurance Agency
(619) 296-0005
- BEST BOAT INSURANCE RATES
- BOAT LIABILITY INSURANCE
- COMMERCIAL BOAT INSURANCE
- PWC INSURANCE
- SAILBOAT INSURANCE
- RENTAL BOAT INSURANCE
- YACHT INSURANCE
- 35 YEARS OF EXPERIENCE
California Boat Insurance FAQs
It’s a common misconception in California that boat insurance isn’t required since your boat or personal watercraft is covered under the home insurance policy. A separate policy is necessary to ensure your boat is receiving the proper coverage.
The risk of being a boat owner doesn’t just involve replacing or repairing the watercraft — there are prospective medical bills if you, someone on the boat or another person is injured. Plus, there are the potential costs of repairing another person’s property as long with other risks. This type of insurance may help prevent you from paying out of pocket in these situations.
Homeowners insurance typically provides minimal coverage for watercraft — usually only for small boats such as a small sailboat, a canoe, or a power boat with less than 25 horsepower. Even then, the policy is limited. It’s usually capped at about $1,000 or 10% of the home’s insured value.
If your yacht or performance boat is on dry land during the off-season, you may be tempted to call off your boat insurance for the winter. But it’s essential to bear in mind that risks such as theft or fire may happen throughout the year, regardless of whether your watercraft is in use. Without boat policy, you may need to pay to repair or replace your watercraft if it’s damaged or stolen during the wintertime.
A boat insurance policy may be determined by factors including the type of boat you own, its value and size, and the waterways you’ll be navigating. The types and levels of coverage you bought, along with the amount of your deductible, also affect the cost of a policy.