phone icon Get a Quote Find an Agent
Call Us 707-576-5120   |   Toll Free 1-866-477-4225 Get a Quote File a Claim
Logo
☰
  • Insurance
    • Vehicle
      • Personal Auto Insurance
      • RV & Boat Insurance
      • More Vehicle Insurance
    • Home
      • Home Insurance
      • Renters Insurance
      • Dwelling Fire Insurance
      • More Home Insurance
    • Business
      • Business Owners Insurance
      • Business Auto Insurance
      • Workers' Compensation Insurance
      • More Business Insurance
    • Additional Insurance
      • Life & AD&D Insurance
      • Pet Insurance
      • Payment Protection
      • More Options
  • About Us
    • Meet Our Agents
    • RCU Partnership
    • Blog
    • FAQs
  • Contact Us
  • Upload Documents
  • Insurance›
    auto Vehicle
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
    home Home
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
    business Business
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Comp Insurance
    • More Business Insurance
    umbrella Additional Insurance
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
  • About Us›
    Meet Our Agents RCU Partnership Blog FAQs
  • Contact Us
  • Upload Documents

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

RCU Insurance Services

 

Home > Blog > Understanding Boat Insurance
FRIDAY, DECEMBER 29, 2023

Understanding Boat Insurance

people driving a boatBoat insurance is a crucial aspect of boat ownership, offering financial protection in case of accidents or incidents involving your boat.

What Does Boat Insurance Cover? 

Boat insurance may help protect boat owners from financial losses related to their vessel. The coverage may include the following: 

  • Physical damage coverage—This can protect your boat from damage due to accidents, vandalism or natural disasters. It generally covers the boat and sometimes personal items on board. 

  • Liability coverage—If your boat causes injury to others or damages property, liability coverage can help protect you against legal claims and cover the associated costs. 

  • Uninsured/underinsured watercraft coverage—This generally comes into play if you’re involved in an accident with another boater who doesn’t have adequate insurance. 

  • Medical payments coverage—This can help cover medical expenses for you and your passengers in case of an accident. 

  • Additional coverage options—Depending on your policy, you might also have coverage for towing and assistance, personal effects, and fishing equipment. 

How Much Is Boat Insurance on Average? 

The cost of boat insurance varies widely based on several factors. The range is quite broad because boat insurance premiums are tailored to each individual’s circumstances and the type of boat being insured. 

Your agent can help you compare boat insurance quotes to find the best combination of value and coverage. 

What Factors Affect Boat Insurance Rates? 

Several key factors can influence the cost of your boat insurance premiums, including the following: 

  • Type and size of boat—Larger and faster boats generally carry higher risks and have higher insurance costs. 

  • Boat’s age and value—Newer and more expensive boats may cost more to insure due to their higher replacement costs. 

  • Usage—Boats used frequently or for activities like fishing tournaments or charters may have higher rates due to increased risk exposure. 

  • Boating area—Boating in oceans, large lakes or areas with heavy traffic might lead to higher insurance costs compared to quieter inland waters. 

  • Storage and security—How and where you store your boat when it’s not in use can impact your rates. Secure storage can reduce the risk of theft and vandalism, potentially lowering your premium. 

  • Owner’s experience and claims history—Experienced boaters with clean boating records often enjoy lower insurance rates. A history of claims can lead to higher premiums. 

  • Safety equipment and certifications—Having safety equipment on board and completing boater safety courses can sometimes reduce insurance costs. 

Contact Us 

Contact RCU Insurance Services in Santa Rosa, California, for personalized boat insurance quotes. 

Posted 11:12 AM

Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • auto insurance(24)
  • home insurance(13)
  • business insurance(13)
  • renters insurance(11)
  • homeowners insurance(9)
  • homeowners(7)
  • insurance(6)
  • renters(5)
  • bop(4)
  • coverage(4)
  • rv(3)
  • workers compensation(3)
  • recreational(3)
  • automobile(3)
  • business(3)
  • bop insurance(3)
  • business owners policy(3)
  • restaurant insurance(3)
  • policy(3)
  • liability(2)
  • cyber insurance(2)
  • life(2)
  • life insurance(2)
  • belongings(2)
  • contractors insurance(2)
  • health insurance(2)
  • farm insurance(2)
  • boat insurance(2)
  • dwelling fire insurance(2)
  • commercial auto insurance(2)
  • terms(1)
  • disaster(1)
  • workers compensation insurance(1)
  • natural disasters(1)
  • safety(1)
  • crop insurance(1)
  • whole(1)
  • wedding insurance(1)
  • umbrella insurance(1)
  • restaurant(1)
  • gap and mechanical breakdown insurance(1)
  • commercial auto(1)
  • renter's insurance(1)
  • fraud(1)
  • personal umbrella(1)
  • professional liability(1)
  • gap protection(1)
  • grill(1)
  • homeowenrs(1)
  • natural(1)

View Mobile Version
  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.