We got you covered

Watercraft Insurance

Don't leave everything to chance; keep yourself protected with insurance.

Get Started

Many years in business

100% customer satisfaction

Knowledgeable advisors to help you

Multiple coverage options to choose from

Watercraft Insurance Provided By Namaste Insurance Agency in San Leandro

Boats and personal watercraft are big purchases, but if you love being on the water, you know they're worth it. Even if you're not required to have boat insurance, protecting your boat and crew from harm is essential.

Click And Learn

Hurricane

Watercraft breakdown

Property Damage

Uninsured Watercraft

Bodily injury liability

Hurricane coverage

Risk Factors

The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible.

Solution

Watercraft insurance helps with the cost of professional haul-out when a hurricane or tropical storm threatens your boat.

Watercraft breakdown coverage

Risk Factors

Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help now.

Solution

Optional coverage may help with the cost of emergency labor where your boat is disabled or a tow to the nearest location where repairs can be made. It may also cover the cost of gas, oil, or a battery if needed.

Property damage coverage

Risk Factors

Your watercraft might collide with someone’s personal property and cause damage to the same.

Solution

If you cause an accident that damages another person’s property, liability coverage may help pay for expenses you incur as a result.

Uninsured watercraft coverage

Risk Factors

You may meet with an accident involving another watercraft that is not insured or has insufficient coverage for the loss caused by the accident.

Solution

The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

Bodily injury liability coverage

Risk Factors

The people sailing in a boat may face bodily injury, making the owner pay for their medical expenses.

Solution

Watercraft insurance may help prevent you from paying out of pocket for medical bills and other related costs like loss of income.

What is Watercraft Insurance?

Watercraft insurance, available from Namaste Insurance Agency in San Leandro, CA, covers boats, yachts, and personal watercraft driven by a motor with at least 25 horsepower. It protects against physical loss, damage, theft, and towing expenses. Additionally, it may offer liability coverage for bodily injury and medical expenses for anyone other than the boat's owner and family, including guest passengers operating the boat.

What are the types of Watercraft Insurance coverage?

Bodily injury liability

If you cause an accident and someone is injured, this watercraft insurance coverage can help pay their medical bills and loss of income.

Property damage liability

If you cause an accident, this personal watercraft insurance coverage helps pay for damages to another person’s watercraft or property. In addition, pollution liability coverage and wreckage removal are included.

Collision

Collision pays for damage to your watercraft, motor, trolling motor, trailer, and permanent and portable equipment if you’re in a covered accident with another watercraft or object.

Comprehensive

Also known as “other than collision,” this coverage can help pay for damage to your watercraft, motor, trolling motor, trailer, and permanent and portable equipment from losses other than collision. This includes damage from fire, theft, or storms.

Uninsured motorist

Helps protect you and your watercraft, motor, trolling motor, trailer, and permanent and portable equipment from an uninsured or hit-and-run boater.

Underinsured motorist

It helps protect you, your watercraft, and your equipment from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Medical payments can help cover medical bills if you or others are injured while operating or occupying your watercraft.

On-water boat towing and labor

It covers towing expenses and other emergency services if your watercraft becomes disabled on the water.

The Importance of Watercraft Insurance

The most important reason for getting watercraft insurance is liability coverage. It protects you in case someone is injured or their property is damaged and pays for your legal fees, medical expenses, and repairs to their property.

You may also need your watercraft coverage from fire, accidents, and theft. All risk insurance covers anything that can happen to your boat except for circumstances expressly excluded in your policy, such as wear and tear and damage from freezing.

Add-ons are available so you can customize your insurance based on your needs.

Do I need Watercraft Insurance during the off-season?

Wherever you are, the boating season length is already considered when calculating your charge. Insurance providers know boaters often don't go out on the water year-round. Consequently, your premium, regardless of how long or short the time may be, is based on typical annual use for your location.

Even during the off-season, having watercraft insurance from Namaste Insurance Agency is beneficial. Your boat is still protected from vandalism, theft, sinking, and weather damage whether it's at the dock or in storage. Insurance providers consider the typical annual use for your location when calculating your premium, so your coverage is year-round.

As a boater, you have specific insurance needs. At Namaste Insurance Agency in San Leandro, CA, we can help you choose the best policy for your situation. We offer various insurance options and can answer your questions about different types of boat insurance coverage.

Contact us today to ensure your time on the water is worry-free. Let Namaste Insurance Agency in San Leandro, CA, help you protect your watercraft and enjoy your adventures with peace of mind.

Already have Watercraft Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

Request a Quote

Get Personalized Insurance

Name(Required)

First Last

Phone(Required)

Email(Required)

How can we help you?(Required)

By checking this box, you agree to receive an SMS from Namaste Insurance Agency. You may reply Stop to opt-out at any time!

CAPTCHA

Comments

This field is for validation purposes and should be left unchanged.

Watercraft Insurance

Watercraft Insurance Provided By Namaste Insurance Agency in San Leandro

Click And Learn

Hurricane coverage

Risk Factors

Solution

Watercraft breakdown coverage

Risk Factors

Solution

Property damage coverage

Risk Factors

Solution

Uninsured watercraft coverage

Risk Factors

Solution

Bodily injury liability coverage

Risk Factors

Solution

What is Watercraft Insurance?

What are the types of Watercraft Insurance coverage?

The Importance of Watercraft Insurance

Do I need Watercraft Insurance during the off-season?

Already have Watercraft Insurance? Switching is easy

Get Personalized Insurance

Namaste Insurance Agency

Personal Insurance

Business Insurance

Get Quality and Affordable Insurance