Marine insurance is a crucial protection for boat owners in California. Whether you own a small fishing boat or a luxurious yacht, the right marine insurance policy can provide coverage for a range of risks, such as theft, damage, and liability and is typically required by lenders, marinas and yacht clubs alike.

With so many insurance providers and policies available, choosing the right marine insurance can be overwhelming. In this article, we will explore some of the best options for marine insurance in California.

1. BoatUS Marine Insurance (GEICO)

BoatUS is one of the most popular marine insurance providers in California, offering comprehensive policies for all types of boats. The company's policies provide coverage for damage caused by collisions, fire, theft, and weather-related events. Additionally, BoatUS offers protection against liability for bodily injury and property damage.

BoatUS also offers a range of additional coverage options, such as towing and salvage, pollution liability, and personal effects coverage. The company also provides discounts for boaters who complete approved safety courses.

2. Progressive Marine Insurance (USAA)

Progressive is another popular insurance provider in California, offering marine insurance policies for boats of all sizes. The company's policies cover damage caused by collisions, fire, theft, and weather-related events, as well as liability for bodily injury and property damage.

Additionally, Progressive offers a range of additional coverage options, such as personal effects coverage, towing and labor costs, and pollution liability. The company also provides discounts for boaters who complete approved safety courses or have multiple policies with Progressive.

3. Novamar Insurance

Novamar is local and active in the marine community!

4. Chubb Marine Insurance

Chubb Marine Insurance is a high-end insurance provider that offers coverage for luxury boats and yachts. The company's policies provide coverage for damage caused by collisions, fire, theft, and weather-related events, as well as liability for bodily injury and property damage.

Additionally, Chubb offers a range of additional coverage options, such as personal effects coverage, towing and labor costs, and pollution liability. The company also provides specialized coverage for high-value items, such as artwork and jewelry, that may be onboard the boat.

5. Oversea Insurance

Oversea Insurance is a well-respected marine insurance broker in San Diego. They offer a wide range of marine insurance policies, including yacht insurance, boat insurance, and marine business insurance. They have a team of experienced insurance professionals who are knowledgeable about the marine industry and can help you find the right policy for your needs. Additionally, they offer 24/7 claims support, so you can get the help you need when you need it.

6. State Farm Insurance

State Farm Insurance is a well-known insurance company that offers marine insurance policies. They have agents throughout San Diego who can help you find the right policy for your needs. State Farm's marine insurance policies cover a range of boats, including personal watercraft, sailboats, and yachts. They also offer a variety of discounts, including multi-policy discounts and safety course discounts.

7. Mariner's Insurance

Mariner's Insurance is a San Diego-based marine insurance broker that has been in business since 1959. They offer a wide range of marine insurance policies, including boat insurance, yacht insurance, and commercial marine insurance. They have a team of experienced marine insurance professionals who can help you find the right policy for your needs. They also offer 24/7 claims support, so you can get help when you need it.

8. Douglas K Smith Insurance

Douglas K Smith Insurance is a San Diego-based insurance agency that offers marine insurance policies. They offer boat insurance, yacht insurance, and marine business insurance. They have a team of experienced insurance professionals who are knowledgeable about the marine industry and can help you find the right policy for your needs. They also offer 24/7 claims support, so you can get help when you need it.

9. Pacific Ocean Marine Insurance

Pacific Ocean Marine Insurance is a San Diego-based marine insurance broker that specializes in marine insurance policies for commercial vessels. They offer a range of marine insurance policies, including cargo insurance, hull insurance, and liability insurance. They have a team of experienced marine insurance professionals who are knowledgeable about the unique risks associated with commercial vessels. They also offer 24/7 claims support, so you can get help when you need it.

10. AAA Insurance

11. Rudy Pena

This company prides itself in being able to provide insurance when others can't.  

12. Foremost Insurance

13. Twin Rivers

14. Allstate

Overview

San Diego has a vibrant marine industry, and there are several options for marine insurance brokers in the area.  Consider the options above when looking for a marine insurance broker in San Diego and feel free to call me at 619.313.3664 for an introduction. Choosing the right marine insurance in California can be a daunting task. However, by considering these top options for marine insurance, you can ensure that you have the coverage you need to protect your boat and yourself. Remember to compare policies and rates, and don't hesitate to ask questions before making your decision.