Boat/Watercraft Insurance in California

California has a huge coastline to explore – and that means there are a lot of boats and watercraft found here. So, before you head out on the water, you may want to invest in an insurance policy that will protect you and your boat. JT Insurance Services works heavily within the Los Angeles area and is well-versed on the types of available insurance for vessels. Believe it or not, there is a policy just waiting for you.

Unlike the laws in California that require certain coverage for automobiles, there are no insurance requirements for boats. Instead, those who own and operate any vessels have the authority to determine whether they want to be protected by insurance or risk any damage that may occur while on the water.

Although it may be enticing to forego insurance protection, there are a few reasons you may want to consider purchasing a policy:

• In the case of an accident, an insurance policy for your boat or watercraft will cover any injuries to those individuals on your boat or in the other party as well as any physical damage to the vessel itself.
• Any personal items will be covered by an insurance policy, as will major parts of the boat – including the motor.
• Medical costs due to boating injuries are typically covered, as well.
• Legal proceedings that arise due to your mishap could cost you big. But an insurance policy can help protect against these lawsuits.
• If you are under the impression your homeowner’s insurance will cover your boat while on the water, think again. It does not extend to those circumstances, leaving you unprotected.

If you live in or around Los Angeles, California and you own a boat or other water vessel, protect yourself and your property as you enjoy the Pacific coastline. Contact JT Insurance Services today!