Boat Insurance policies can vary widely in what they do and do not not cover base on a number of considerations, including the type of boat, the waters it will traffic and ho many months of the year the boat will be used. Still, there are some basic coverage and client can expect to receive and also some potential discounts for safe boaters. 

• Physical Damage – This coverage will cover your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft and collision. The property covered can vary, but policies usually cover, the hull and permanent components, such as: Motors, Extra fuel tanks, Batteries, Anchors, On board safety equipment, flotation devices, fire extinguishers, etc. 
• Liability Coverage – This applies if your boat causes any injury to others or damage to other boats, docks, or structure. Good liability covarage may provide protection against lawsuits, including the payment of settlements and legal fees. 
• Other Coverage – Your insurance company may be able to offer you additional coverage to go with your basic boat insurance. If you have any other areas of concern or special insurance needs, ask your insurance agent what other coverage is available. 
• Discounts – The best way to lower your boat insurance policy is to become a safer boater. Many insurance companies offer discounts to boaters who have completed an approved boating safety course.  

Contact our office to make sure you are receiving the correct coverage and all the discounts for your boat policy. (650)833-8579