boat insurance Sacramento Ca
Your boat allows you to get away from all the stress and pressure of the mainland. Call us for stress free watercraft & boat insurance quotes!
SACRAMENTO WATERCRAFT INSURANCE
Our insurance agency in Sacramento, CA, specializes in writing insurance policies for boaters. You can be confident we’ll provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishers. We can tailor an insurance policy to your unique needs.
watercraft insurance coverage
Eugene C. Yates Insurance Agency, the company you trust when you are seeking insurance quotes. We make sure you enjoy your time on the water without having to worry about what could go wrong.
Our Sacramento watercraft insurance plans provide you with coverage against several different types of loss. Call us today to speak to a member of our staff about our watercraft coverage options.
personal watercraft insurance
Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Simply fill out our quick and simple online form to learn how our Insurance Agency can protect you with a marine insurance policy.
WATERCRAFT INSURANCE BROKER, IN SACRAMENTO
IS YOUR BOAT COVERED
There are instances when a homeowners policy may have coverage for personal watercraft. If it is too expensive it may exceed the limits of the policy, but fall under the limits of a watercraft policy. These policies will still limit coverage, often based on the length of the boat and the boat’s value.
Watercraft Insurance Policy
When you head out to insure a modern car or other vehicle, you know that your coverage is going to be pretty standard. However, watercraft insurance isn’t at all like that. Instead of dealing with a streamlined process, a lot of the insurance options out there is going to be determined by what, exactly, you’re looking to insure. However, it’s important to get discouraged with this information. While it may seem complicated, watercraft insurance rates and their coverages don’t have to be. You just need to have a better understanding of all it works together, and it’ll be as streamlined as you need it to be.
The first thing to figure out with your hunt for insurance, is to take a look at how the watercraft definition and insurance mesh together. For example, the formal definition of a watercraft as far as insurance is concerned, is: “a boat and or other personal watercraft.” Doesn’t exactly sound helpful, so let’s break it down further. A watercraft could be any number of things including: a sailboat, a houseboat, a pontoon boat, a yacht and even something like a kayak or jet skis. Even at first glance, this list is a little eclectic, so you can see how the watercraft insurance coverage is going to have to adjust depending on what it is that you are going to want to insure.
EUGENE C. YATES INSURANCE AGENCY
BOAT INSURANCE
When you are looking at getting out on the water with you watercraft of choice, you do have options for insurance that are as flexible as you want them to be. Proper education is key to keeping everything and everyone safe and above board, so do what you have to do in order to keep you and your watercraft safe. Watercraft liability insurance can help.
- The premiums that you pay for your watercraft insurance are going to differ depending on what you are looking to get for the actual insurance itself. Are you shopping for the best watercraft insurance? The general personal watercraft insurance coverage is going to cover both liability and property damage. Different providers are going to be able to offer you different kinds of protection in their basic insurance policies, but these are the standard minimums for traditional watercraft options. Are you looking for medical coverage as well? It will be an add-on for most policies, but you can still get it. Some of the more basic policies, however, may include it.
- The price of your insurance is also going to fluctuate (as well as its included coverage) with what you are looking to insure. Is it boat and personal watercraft insurance? For example, when it comes to a yacht or a houseboat, you may find that you are paying reasonable rates for a reasonable amount of protection because it is similar to a car or a home in what it is offering for protection. For something like a jet ski, however the premiums are higher simply because there are so many risk factors that are going to automatically drive the price to be higher. Conversely, coverage for a kayak may be reasonable simple because they are highly technical pieces that cost a whole lot, even when damage. They also don’t cause as much damage by hitting something else.
- If you are using your watercraft only for a short amount of time per year, and you’re simply laying it up for the other months of the year, this may impact the price of the insurance policy itself. Since the insurer is going to know that you will only be having it out on the water for a certain amount of time, their risk of a large payout will be much lower and that, of course, means a lower payout for you.
Sacramento Boat Insurance Broker
It seems as though you’re never going to figure this out, or that you are going to have to pay a lot of money for simple protection, but there are somethings to remember. Just like a traditional insurance policy, you will be able to take a look at some worthwhile discounts that will offer you a break on even this kind of insurance. Popular discounts include:
- Maybe one of the easiest ways of getting cheap watercraft insurance is to bundle policies. Just like any other kind of insurance, most providers will offer a substantial discount if you have other insurance policies in place that can be bundled together. This is great when you want to save money across the board.
- As mentioned briefly, a lot of insurance offerers will give you a good rate when they know that you are going to only be using your craft a certain amount of months per year. However, some will even take that step further and offer better insurance rates if you look at laying up your craft for 4 months instead of 3.
How Much is Watercraft Insurance?
The fast and easy way to get watercraft insurance rates Sacramento Ca
Do I have to have insurance on my boat?
Only 2 states out of the 50 require you to carry boat insurance. The 2 states that enforce boat insurance laws are Arkansas and Utah. All watercraft powered by engines with 50+ horsepower and all PWC, have to be covered under a liability boat insurance policy. The policy has to include $50,000 in liability coverage and it is also illegal to drive your boat without the proper insurance.
There are certain circumstances in other states where you will be required to carry boat insurance. This is in effect in certain state operated marinas and state parks. You’re always going to want to check with your state marine board to see if this is a requirement.
All watercraft and PWC in Utah must have owner liability boat insurance or operators liability boat insurance. This is a requirement on Utah waters. Minimum coverage limits are $25,000 for bodily injury, $50,000 for total bodily injury if multiple individuals are hurt and $15,000 for property damage.
Even if you don’t live in a state that requires boat insurance, you should look into it as an option. Boat insurance in California is important if you leave your boat docked unattended. In addition if you live on a house boat insurance should be a priority. Especially if you have valuables and most of your world possessions.
How much is boat insurance in California?
Boat insurance, like all other insurance is based off risk. If you have a high powered speed boat your boat insurance premium is going to be higher than if you own a fishing boat. That $10,000,000 yacht is also going to come with a higher premium.
That doesn’t mean finding cheap boat insurance is out of the question. In some states having a good credit score will help you get lower boat insurance rates. You’re going to want to explore water and boat quotes and boat insurance laws. Make sure you know what coverage you’re getting.
On average boat insurance in California will run you between $300 and $500. There are numerous factors to consider. Like the use of your watercraft, your driving record, how much experience you have, horsepower of the boat and your claims history to name a few.
You can always contact an agent at Eugene C Yates Insurance Agency for sailboat insurance rates. We make it easy to get a boat insurance online quote. And we only give you the best boat insurance prices. Call us today for boat insurance rates that will give you affordable protection. [click here to call an agent]
Boat insurance Sacramento
Do you have to have boat insurance in California? Not exactly. Should you have boat insurance in California? Yes, absolutely. We should all have some sort of protection on our boats. Liability concerns on a boat can be issue. Having protection from those issues should be a top priority.
Boat insurance Sacramento California, although not a requirement, is for sure a necessity. Keep in mind there are boating DUI’s in California. Someone could crash into your boat and not have insurance to cover the damages.
California boat registration fees
If you own a vessel / boat over eight feet you have to register it with the DMV in order to legally operate it on California waters. If you want to register your boat you will have to fill out an application for Vessel Certificate of Number (BOAT 101) form, show proof of ownership, and pay any applicable fees. You may also need a bill of sale if you purchased the vessel from a private party.
It’s pretty simple to do. You can either register your boat at any local DMV, or just mail your registration application and related documents to the DMV Sacramento PO Box. (Department of Motor Vehicles PO Box 942869 Sacramento, CA 94269-0001)
What boats have to be registered with the DMV in Sacramento California?
All boats / vessels that are used to transport you across California waters. For example sail-powered boats over eight feet long. A vessel or a boat with a motor, no matter how large it happens to be.
If you recently moved to California from out of state you must register your boat or vessel with the DMV within 120 days. This would also apply if you purchased your boat from an out of state seller.
What boats don’t have to be registered in California?
Some boats do not have to be registered, mostly boats that do not have engines. For example canoes, rowboats, any boat with paddles or oars, sailboats shorter than eight feet, sailboards, parasails, a ships lifeboat, seaplanes on water, boats that run on a track (ie; amusement parks), or floating structures do not have to be registered in California.
Please keep in mind, dinghies have to be registered with the Sacramento California DMV. Houseboats with a motor have to be restored with the DMV. Also, commercial boats that weigh more than 5 net tons & that are longer than thirty feet have to be regifted with the Sacramento California DMV.
Do you have to have boat insurance in California? Not if you don’t feel you need it, but there is a good chance you will at least need to have it registered with the Sacramento California DMV.
How much is bass boat insurance?
You can insurance your bass or fishing boat at pretty low premiums. Some boat insurance companies offer rates as low as $100 a month. If your boat / vessel has a trolling motor, is easy to maintain and operate, and overall a lower price point than a larger fishing vessel, your rates will be incredibly reasonable.
Some of the reasons you may want to consider insuring your fishing boat are you can insure your fishing gear. You can get coverage for your bass boats trailer. Overall you can protect your investment.
You can potentially save money on your boat insurance premium if you take a water safety course. For the most part bass boat insurance is on the more affordable side of insuring watercraft.
Boat insurance broker
If you own a Sacramento boat, you’re going to want to get your policy through a Sacramento insurance broker. I just so happen to know of one that can get you an instant boat insurance quote in minutes. Only the best boat insurance from independent agents.
That Sacramento insurance broker just happens to be Eugene C Yates Insurance Agency. Call us today for a competitive boat insurance quote.
