Watercraft & Boat Insurance in Mount Shasta, CA
Owning a boat comes with its share of risks, whether you’re cruising a lake or navigating open waters. Boat insurance can offer a financial cushion against the unexpected, from sudden storms to collisions. Having the right policy may help you sail more confidently, knowing that a day on the water won’t turn into a costly ordeal.
What Does Boat Insurance Cover? 
A standard boat insurance policy may include the following:
- Liability coverage steps in if you cause injury to someone else or damage their property while operating your boat. It may cover legal fees, medical costs and other related expenses.
- Personal property coverage may reimburse you for personal items on board that are lost, stolen or damaged, up to the limits of your policy.
- Physical damage coverage may compensate you for repairs or replacement if your boat is damaged or destroyed due to collisions, severe weather, theft or vandalism—depending on the specifics of your policy.
- Medical payments coverage may provide financial support for medical bills if you or your passengers are injured in a boating accident, regardless of who was at fault.
- Uninsured/underinsured boater coverage may cover your expenses if you’re involved in an accident with an at-fault boater who doesn’t have enough insurance, or any at all.
How Much Boat Insurance Do I Need?
When it comes to your boat insurance policy, it’s essential to think beyond the basics. Keep in mind that your goal is to reduce the financial impact of any accident or liability you might face while boating. To get started, you may ask yourself a few key questions:
- What would it cost to replace my boat if it were completely destroyed?
- How do I plan to use my boat—leisure cruising, fishing, water sports, or something else?
- Do I need coverage for passengers in case someone gets injured while on board?
- If I’m found responsible for an accident, how will I cover the damages or legal costs?
Our agents at Rich Toreson Insurance Agency Inc can help customize a policy that fits your boating lifestyle. Contact us today to get started.