Why You Need Boat Insurance in California
Owning a boat is one of the best ways to get outside and enjoy nature. Before you take your boat out on the water, you need to make sure you’re able to use it safely. For California boat owners, this means making sure the boat is equipped with the proper safety equipment and meets all state regulations. So, is having boat insurance one of them?
Insurance Is Optional
Unlike many states, there are no minimum California boat insurance requirements in place. All you need to do is register the boat with your local DMV and display the registration number clearly on the boat itself. That said, having insurance is almost always in your best interest.
Why Insurance Matters
Accidents happen all the time regardless of your experience level. If your boat gets damaged on the water or you end up hitting another boat, you’ll have to cover the cost of the repairs and any medical expenses out of pocket. With insurance in place, you won’t have to worry about those unexpected costs putting a strain on your budget. Once you file a claim, the insurance company will help you cover those expenses as long as you pay your deductible.
Before you take your boat out on the water, make sure you have the right insurance in place. This way, you’ll protect your hard-earned savings and can boat with confidence.