| When you think of California, surf, sand, and blue | | | | company's liability policy. States differ in their |
| oceans come to mind. Water sports are popular | | | | insurance laws and minimums. |
| pastimes among residents and visitors alike. If you | | | | Contact your California car insurance carrier for |
| are one of those people who love the water, proper | | | | requirements and rates. |
| insurance for motorized water craft is a must. Many | | | | Personal watercrafts are used mainly for one or two |
| California car insurance companies that insure your | | | | people and can either have a motor or not. |
| vehicles will also insure your toys. Before taking to | | | | Waverunners and kayaks are good examples of |
| the water, call your car insurance company and get | | | | PWCs. Canoes and kayaks normally do not need |
| rates for your boat or personal watercraft (PWC). | | | | insurance coverage and many times are covered |
| There are many different types of boats and | | | | under homeowners insurance against fire or theft. |
| California car insurance companies have different | | | | Some PWCs can be dangerous or are expensive to |
| rates depending on what boat you have. It is a good | | | | fix and should be insured to offset these costs. |
| idea to obtain insurance for all motorized watercraft. | | | | Again, each state has it's own laws so make sure |
| Personal non-motorized watercraft can be insured, | | | | you call your insurance carrier, ask what the |
| but it isn't as important to do so. Insurance typically | | | | requirements are, and get a car insurance rate that |
| covers damages you are liable for when you make a | | | | reflects boat coverage. |
| mistake or have a loss due to fire, animals or other | | | | When deciding whether to insure your watercraft, |
| non-preventable incidences. If your boat or PWC is | | | | use good common sense. If the boat can do serious |
| not worth a lot and not motorized, insurance is not | | | | harm, it should be insured. Find out and abide by all |
| needed, but if your boat has a high risk of injury or | | | | state laws pertaining to insurance and usage. Keep in |
| will cost a lot to repair/replace, definitely insure it. | | | | mind when traveling that all states have different |
| Passenger boats are usually powered by motors and | | | | regulations. Learn what they are before leaving on |
| are bigger than a canoe. These boats usually can | | | | vacation. |
| carry three or more passengers comfortably. Serious | | | | Separate summary: Boating is relaxing and great fun, |
| bodily and property damage can be done with these | | | | but can be dangerous. Abide by all rules and |
| boats. At the very least, liability insurance should be | | | | regulations of your state or the state that you are |
| purchased. If the boat is stored by a company during | | | | visiting. Be sure to have insurance coverage when |
| off months, ask them if your boat is covered if | | | | needed. Your California car insurance carrier may be |
| something happens. You may be able to save some | | | | able to provide insurance for your boat also. The car |
| money by dropping your insurance coverage during | | | | insurance company rates could be lower if your other |
| winter months if it is covered by the storage | | | | vehicles are carried by them also. |