Boat Insurance
Boat Insurance in El Dorado Hills and Folsom, CA
Boat Insurance: Protect Your Boat and Enjoy the Water Worry-Free
Summers in California often mean hitting the water for boating adventures, but owning a boat comes with its own set of risks. At Suburban Family Insurance Agency, we provide Boat Insurance designed to keep you and your watercraft protected. Whether you own a sailboat, jet ski, or yacht, we offer customized coverage for all types of boats in El Dorado Hills, Folsom, and nearby areas.
Why Do You Need Standalone Boat Insurance?
While some homeowners’ policies may offer limited liability coverage for watercraft, they typically do not cover actual damage to your boat or have restrictions on horsepower. A dedicated Boat Insurance policy is the best way to ensure full coverage, including:
- Replacement Watercraft: Coverage if your boat is damaged beyond repair.
- Agreed Value and Guaranteed Value Policies: Choose how your boat is valued and insured.
- Additional Coverage: Options for fishing equipment, trolling motors, radios, cameras, life jackets, and more.
Protecting Your Investment Year-Round
We encourage boat owners to maintain their Boat Insurance policies year-round, even in the off-season. Canceling your policy during winter months can leave you vulnerable to theft, damage, or other risks. We work with carriers like Nationwide that offer incentives for keeping your policy active year-round, including:
- Renewal or Longevity Discounts
- Disappearing Deductibles
- Deductible Waivers
Tailored Coverage to Fit Your Boating Lifestyle
At Suburban Family Insurance Agency, we take the time to get to know your boating habits, such as where you moor and store your boat, and how you use it (fishing, skiing, vacationing, etc.). We also offer protection for all the contents you store on your boat, like life jackets, fishing gear, and extra motors, to create a policy that fits your needs perfectly.
Request a Boat Insurance Quote Today
Don’t let unexpected risks ruin your time on the water. Contact Suburban Family Insurance Agency today to review your Boat Insurance options and get a customized policy that fits your lifestyle.
We proudly serve boaters in El Dorado Hills, Folsom, and the surrounding areas.
