Boat Insurance - Palmdale, Lancaster, CA

California law does not require you to carry boat insurance however some other state may. Always double check before going out on the water. Even though insurance may not be need, the law requires current registration for most vessels whether or not they are used. Boat owners should really understand how marine insurance is different from your regularly used auto insurance. For starters our auto policies run for 6 months verses our boat policies are for the year. Depending on the type of coverage and the limits requested there are different coverages available. We recommend to always keep the insurance on the boat even when it’s stored or being transported on a trailer.

Here is a brief description and understanding on boat insurance:

Liability Coverage – pays the other party due to injury, property damage and death. How much we pay out depends on the limits you carry.

Physical Damage Coverage – this reimburses for damage to the boat and its machinery. The best physical damage policy Allstate offers is our special premier plan; which is applied by item and is a package that includes Uninsured Watercraft, Repair Cost Option and Emergency Service of $1000 with Agreed Value Option included.

Additional marine coverages available are:

Medial payments – pay for your injuries, ambulance and hospital bills. This coverage also covers any passengers injured on your boat.

Towing and Assistance – pays for emergency assistance such as boat towing, emergency repairs while underway or fuel delivery at sea.

Personal property – reimburses for loss of personal belongings, clothing, fishing gear and more.

Uninsured Boater – this covers you and your passengers for injuries caused by another boat that doesn’t have insurance.

 









 

 

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