One of the joys of living in California is being so close to the water, and being able to get out on your boat as much as possible. As a boat owner, you need to have boat insurance. There are specific things to take into consideration when you’re looking to purchase boat insurance in California. Here are a few factors you should make sure you understand.
Property insurance will protect your boat from damage to its physical features, such as any furnishings or built-in equipment on board, as well as the sails if applicable and the hull. This coverage also includes towing, collision damage, and any salvage expenses that may result after an accident.
Another consideration is that of marine liability. Boat owners know that there are risks inherent in navigating, and this coverage protects a boat owner from damage to someone else’s property or injuries caused as a result of an accident. This coverage can also take care of legal expenses as a result of a lawsuit related to an accident or injury.
Smart boat owners know that boat insurance in California can cover a wide range of risks. Before you purchase a policy for your boat, make sure that you understand the coverage you need, so you can have peace of mind while you enjoy the water.