BOAT INSURANCE IN SOUTHERN CALIFORNIA
Whether you take your boat out on a local lake or along the coast, Felicity Insurance helps you find coverage built around how and where you actually use it, for boat owners throughout Riverside County, San Bernardino County, and surrounding communities.
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SERVICE OVERVIEW
What Boat Insurance Covers
Unlike auto insurance, boat insurance isn’t required by California law in most cases, but marinas, lenders, and lakes often require proof of coverage before you can dock, finance, or launch. At Felicity Insurance, we help you find a policy that meets those requirements and protects your boat against the specific risks it faces on the water.
We help boat owners throughout Riverside County, San Bernardino County, and surrounding communities cover everything from personal watercraft to fishing boats and larger recreational vessels.
Our Boat Insurance Coverage Includes:
Liability coverage for injuries or property damage to others
Physical damage coverage for your boat, motor, and trailer
Coverage for theft and vandalism
Towing and emergency assistance on the water
WHAT'S INCLUDED
Understanding Your Boat Coverage
Boat insurance is made up of a few different parts. Here’s what each one actually does.
Liability Coverage
PROTECTS OTHERS ON THE WATER
Covers injuries or property damage you cause to someone else while operating your boat.
Physical Damage Coverage
PROTECTS YOUR BOAT
Covers repair or replacement costs for your boat, motor, and trailer after an accident.
Theft & Vandalism Coverage
PROTECTION WHEN YOU'RE NOT ABOARD
Covers your boat and equipment against theft or vandalism at the marina, in storage, or at home.
Uninsured Boater Coverage
PROTECTION FROM OTHER OPERATORS
Protects you if you’re involved in an accident with a boater who has no insurance or not enough coverage.
Towing & On-Water Assistance
HELP WHEN YOU BREAK DOWN
Covers towing and emergency assistance if your boat breaks down on the water.
Personal Watercraft Coverage
FOR JET SKIS & SIMILAR CRAFT
Extends similar protection to personal watercraft, not just larger boats.
HOW IT WORKS
Our insurance Process
Share some information about your boat and how and where you use it, so we understand what you’re looking to protect.
01
Tell Us What You Need
Share some information about yourself and your vehicle, so we understand what you're looking to protect.
02
Review Your Options
We compare coverage options across carriers and explain the differences in plain language.
03
Choose Your Coverage
Once you know your options, you choose the coverage that fits your boat and budget.
04
Get Ongoing Support
As your boat or how you use it changes, your coverage should keep up. We're available to update, adjust, or answer questions long after your policy starts.
Why Southern California Chooses Felicity
Insurance Guidance You Can Actually Understand
We help individuals, families and businesses find the right coverage with clear, personalized guidance.
Independent & Unbiased
Because we're not tied to one insurance company, we compare options across carriers so you get coverage that fits your boat.
Local Southern California Knowledge
We understand the communities we serve, from Riverside County's desert cities to the Inland Empire communities of San Bernardino County.
Multiple Insurance Options
From liability to full physical damage coverage, we help you compare options across multiple carriers.
Personalized Guidance
We take the time to understand your boat and how you use it before recommending coverage.
Support Beyond the Sale
Our relationship doesn't end once you have a policy. We're available to help with questions, changes and coverage reviews.
Simple Quote Process
Get started with a straightforward and convenient quote process.
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Customer Reviews
What Our Clients Says
Felicity Insurance provides trusted Commercial, Auto, Home, Motorcycle and Renters Insurance throughout Southern California. Explore our insurance solutions below to find the coverage that best fits your needs.
REAL-WORLD INSURANCE HELP
Finding the Right Coverage for Your Boat
Whether you’re out on a lake or docked at a marina, your boat faces risks a standard auto or homeowners policy doesn’t cover. Felicity helps boat owners find protection built around how and where they actually use their vessel.
What We Can Help With:
Liability coverage for injuries or property damage
Physical damage protection for your boat and trailer
Coverage for personal watercraft like jet skis
Theft and storage protection at the marina or at home
WHAT BOAT OWNERS SHOULD KNOW
Boat Insurance Made Simple
Most marinas, lenders, and lakes require proof of coverage before you can dock, finance, or launch. Knowing what your policy actually includes matters before you need it, not after.
Know the Basics:
Liability vs. Physical Damage Coverage
Personal Watercraft Coverage
Towing & On-Water Assistance
Theft & Vandalism Protection
Uninsured Boater Coverage
Insurance Education
Guides & Insurance Basics
Straightforward answers to common insurance questions from Southern California drivers, homeowners, renters, riders and business owners.
Frequently Asked Questions
Felicity insurance Answers
Got a question we didn’t answer here? Reach out and we’ll get back to you quickly.
What is boat insurance?
Boat insurance is designed to help protect boat owners against covered risks associated with owning and using a watercraft. Felicity Insurance offers boat insurance for customers looking for coverage tailored to their boating needs.
Why do I need boat insurance?
Boat insurance can provide financial protection against covered accidents, damage, liability claims, theft, and other risks, depending on the policy. Even when insurance is not legally required, having appropriate coverage can help protect your boat and finances from unexpected losses.
What can boat insurance cover?
Coverage varies by policy, but boat insurance may address risks such as physical damage to the watercraft, liability arising from an accident, theft, and certain boating-related incidents. The specific protections, limits, deductibles, and exclusions should be reviewed before choosing a policy.
Does boat insurance cover damage to my boat?
A policy may provide physical damage protection for covered losses, depending on the coverage selected. If protecting the value of your boat is important, you should discuss the boat’s type, age, value, and intended use with Felicity Insurance when requesting coverage.
Does boat insurance include liability coverage?
Boat insurance can include liability protection for covered situations in which the boat owner is legally responsible for injury or property damage. The available limits and conditions depend on the policy, so customers should review the details with their insurance provider.
Can I bundle boat insurance with other insurance policies?
Depending on eligibility and available insurance products, customers may be able to discuss multiple coverage needs with the same insurance agency. Felicity Insurance also offers homeowners insurance and auto insurance, allowing customers to discuss their broader insurance requirements in one place.
How can I get a boat insurance quote from Felicity Insurance?
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