Boat & PWC insurance for smooth sailing
Owning a boat or personal watercraft brings freedom and fun — and real risks. The right coverage protects your vessel, your passengers and your finances on the water and off.
Boat & Watercraft Insurance: what it can cover
Boat and PWC policies typically include:
Physical damage
Repair or replacement of your boat, motor, trailer or personal watercraft after accidents, storms, fire or theft.
Liability
Protection if you're responsible for injuries to others or damage to another boat, dock or property.
Medical payments
Helps pay medical bills for you and your passengers after a boating accident.
Personal belongings
Coverage for fishing gear, electronics and other personal property onboard.
Coverage for all kinds of watercraft
- Powerboats and speedboats
- Sailboats
- Fishing boats
- Personal watercraft (Jet Skis, WaveRunners, Sea-Doos)
- Pontoons and deck boats
- Yachts and luxury watercraft
Coverage, limits and exclusions vary by carrier and policy. We'll walk you through the details of any policy before you buy.
Why DeWitt Insurance
- Independent agencyWe aren't tied to one company — we compare multiple carriers to find coverage that fits.
- Serving California since 1978Decades of experience helping families and businesses choose the right protection.
- Local office1081 Borden Rd., Ste. 107 in Escondido, serving Temecula, the Temecula Valley and North County.
- A real person answersCall (760) 747-9596 Monday–Friday, 8:30 AM – 4:30 PM.
Common questions
Is boat insurance required by law?
Not always, but marinas, lenders and some states may require proof of coverage.
Does boat insurance cover my trailer?
Most policies can include coverage for the trailer you use to transport your boat or PWC.
Are personal belongings onboard covered?
Many policies cover fishing equipment, electronics and other personal property onboard.
Ready to compare your options?
Get a free, no-obligation quote — or call and talk it through with a real person.