We offer competitive watercraft insurance throughout San Diego and California. At McCormick Insurance, we make sure that you enjoy your time on the water without having to worry about what could do wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

There are many different kinds of watercraft insurance we Specialize in Here are some of them.

  • Jet skis
  • Sail Boats
  • Motor Boats
  • Deck Boats
  • High Performance Boats
  • Motor Yachts
  • Fishing Boasts
  • House Boats
  • Boat Trailers

Your boat insurance policy may include the following:

  • Collision damage: Includes repair or replacement of your boat, but may or may not include clean-up of wreckage unless you purchase optional additional coverage.
  • Property damage liability: Covers damage you might cause to someone else’s boat, a dock, or other property or structures.
  • Bodily injury liability: Covers injury you might cause someone while using your boat; includes medical bills, lost income, pain and suffering, and legal expenses.
  • Comprehensive: Provides compensation if your boat is vandalized, stolen, or damaged in an incident other than a collision.
  • Additional coverage options: Coverage for medical payments, fishing equipment, oil spills, personal property and roadside assistance as well as damage and injuries from accidents caused by boaters who are uninsured or underinsured.
  • Medical payments coverage
    Suppose you or your passengers are injured after an accident on your boat. Medical payments coverage may help pay for resulting expenses such as hospital bills, medications or X-rays.
  • Uninsured watercraft coverage
    What would happen if an uninsured boater collides with your watercraft and you or one of your passengers are injured? The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

Before you get wet, the best thing to do is check what is required by your state. Some marinas require you have liability coverage if docking your boat.  If you have a loan on the boat, the lender might also dictate that you have liability and comprehensive coverage. This would protect their financial investment in the boat until you have paid for it in full.

Boating Safety Tips

Take a boater safety course: Almost all insurers offer a discount for boaters that have recently completed an approved boater safety course. Take an in-person class or get your boat safety certification online. Check with your insurance agent to see if a discount is offered for your specific policy.

Know the Proper Use of Life Jackets   Assign and fit each member of your onboard team with a life jacket prior to departure always wear a life jacket (visit these USCG resources for more information). Regulations vary by state but children under 16 and all watersports riders should wear a life jacket on the water.

Spend on safety gear: Insurance companies may provide an additional discount for having extra safety features onboard your vessel. Check with your insurance agent to see if you qualify for any additional savings.

McCormick Insurance Professionals

Since 1992, Wayne McCormick has provided homeowners insurance coverage at competitive rates for homeowners and renters in San Diego County and Southern California.

Let us help you save even more by combining your home and auto insurance. We can also help you can save hundreds on your life insurance, umbrella insurance, motorcycle insurance, boat / watercraft insurance, RV / travel trailer insurance, commercial insurance, and more. We even offer surety bonds!

Are you curious to know how you can save more by combining your auto and home insurance? (619) 276-0492. The Wayne McCormick Insurance team in San Diego is ready to serve you, and help you save on your auto, homeowners, condo or apartment building insurance.