Boat Insurance in San Carlos CA and San Francisco CA

Cast Your Worries Aside

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

So protect your investment with insurance that’s designed to get you fully covered and give you peace of mind on the water.

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Wakeboarder behind boat on the lake

We specialize in boat insurance

With a Boat Owners Insurance policy from ISU Lovering Insurance Services, you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles:

  • Yachts
  • Performance Boats
  • Sail Boats
  • Bass Boats
  • Jet Skis
  • WaveRunners

Coverage options for your watercraft

  • Navigational Area — Know where you are covered in the water. Some insurance companies offer protection that covers you up to 150 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico.

  • Agreed Value Coverage — Watercraft depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. Agreed Value means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $25,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury — Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.

  • Unattached Equipment Coverage — This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

  • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Additional Coverage Options

At ISU Lovering Insurance Services, we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercrafts or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from ISU Lovering Insurance Services. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.

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