Boat & Watercraft Insurance 

Boat & Watercraft Insurance for California’s Coastline & Beyond

From weekend cruising in Marina del Rey to jet skiing off the coast of Malibu, boating is part of the Southern California lifestyle. Whether you own a sailboat, a fishing boat, a jet ski, or a high-end yacht, proper boat insurance in California ensures you're covered for the risks that come with life on the water.



Derian Insurance helps boaters across Los Angeles and throughout the state find watercraft insurance that covers more than just damage—it protects your investment, your passengers, and your liability.

Family on a boat, looking over the water at a marina. The man points, woman and boy watch.

What Boat Insurance Can Cover

Boating accidents can happen fast, and liability can be high. A specialized marine policy can help cover:

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Hull & Property Damage

For your boat itself, motors, sails, and onboard equipment, whether docked or on the water

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Liability Coverage

Covers injury to others or damage to their property while operating your boat

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Medical Payments

For injuries to you or your passengers

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Uninsured Boater

Helps if you're hit by someone without adequate insurance

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Towing & Assistance

On-water towing, fuel delivery, or jump-starts

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Personal Effects

Optional coverage for fishing gear or valuables kept onboard

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Jet Skis & PWCs

We also write jet ski insurance in CA with similar protection

Have a yacht or sailboat? Ask us about yacht insurance in LA that includes extended navigation limits and higher liability coverage.

Why Boat Owners Trust Derian

We’ve helped clients insure everything from fishing skiffs to luxury cruisers. As an independent agency, we can quote multiple marine insurers to get you the right price and protection—especially important if your boat travels up and down the coast or across state lines.


Need to meet marina insurance requirements in Long Beach or Newport Beach? We’ll help make sure your policy meets liability thresholds and navigation zone limits, so you’re always in compliance.

Answers for California Boaters

  • Is boat insurance required in California?

    Not by law, but marinas and lenders often require liability coverage. It’s strongly recommended for all owners.

  • Does my homeowners policy cover my boat?

    Only for small, low-powered boats—and even then, it’s very limited. We recommend a separate marine insurance policy for proper protection.

  • Can I insure my jet ski or WaveRunner?

    Yes. Personal watercraft are covered under similar policies with the same core protections.

  • Is my fishing gear covered?

    You can add optional personal effects coverage to protect rods, tackle, and other gear on board.

Get the Right Coverage Before You Launch

Boating should be relaxing—not risky. Whether you dock in LA, spend weekends in Catalina, or trailer up to Lake Havasu, we’ll help you find coverage that fits how and where you boat.



Contact Derian Insurance today for a free boat or watercraft insurance quote.