A Division of Ryan Ramirez Insurance Agency inc.

Boat Insurance

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Boat Insurance

Here at Hawkguard Insurance Services, it is our goal to make your time on the water a relaxed and enjoyable experience. We will craft a comprehensive insurance plan that protects you, your friends, family and your watercraft.
Here are some are some items you will need to consider while choosing the right boat insurance:

Navigational Area
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico.

Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible. Make sure you are getting the coverage you want and desire.

Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments
Medical payments coverage will pay for the cost of needed medical care that is the result of a boating accident regardless of fault. Medical coverage provides coverage to you, your passengers, and even your water skiers/tubers.

Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, along with your trailer if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury
Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects
Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling, and other sporting items.

Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

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Hawkguard Insurance Services is local independent insurance agency in Temecula CA. We specialize in educating our clients on their insurance options, crafting customized comprehensive insurance plans and providing insurance solutions from some of the nations top insurance providers.

Contact Us

Address: 28545 Old Town Front Street, suite 204
Temecula, CA 92590

Phone: 951-494-7272

Fax: 657-215-8999

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