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Watercraft & Boat
Insurance

Watercraft & Boat Insurance
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    Safeguarding Your Boat and Your Adventures
    Protect your boat from accidents, damage, and liability while enjoying the water. Coverage available for most types of watercraft.
    Reliable insurance that covers collisions, theft, and unexpected hazards, keeping your time on the water worry-free.
    Comprehensive protection for your boat, passengers, and equipment with policies tailored to your watercraft and lifestyle.
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    Lowest Personal
    Watercraft Rates!

    MIS shops multiple watercraft insurance carriers to find you the best combination of price and coverage.

    With access to many reliable and high quality personal watercraft insurance carriers. MIS can find great rates and coverage for any type of personal watercraft. We provide coverage for watercraft including, Jetski, waverunners and other brands.

    Why do you need insurance for
    your boat or personal watercraft?

    You’ll enjoy the water ever more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

    • If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
    • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
    • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
    • Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.
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    Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

    The personal watercraft policy covers:

    • bodily injury
    • property damage
    • guest passenger liability
    • medical payments
    • theft
    Things to consider and
    questions to ask your agent

    Liability limits start at $15,000 and can be increased to $300,000.

    Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

    Additional coverage can also be purchased for trailers and other accessories.

    You should talk to your insurance representative about the type of coverage that would best suit your needs.

    Here are a few things to consider as you prepare for the discussion:
    How much can you afford to pay if
    your boat or personal watercraft is
    in an accident, damaged or stolen?

    Is my boat or watercraft covered for
    use year-round?

    What discounts and programs are
    available?

    How much medical insurance and liability
    coverage is enough?

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    Do I have coverage if I need to have my
    boat towed in an emergency?

    What’s the process for filing and settling
    a claim?

    Does the insurance company have a good
    reputation for customer service? Is it
    known for paying claims fairly
    and promptly?

    MIS Insurance provides Watercraft & Boat insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove