For those who are lucky enough to own some sort of watercraft – and live in California – you have some of the most beautiful beaches to enjoy sailing, boating, jet-skiing, aquaplaning, and other water-based activities. However while watercraft may only be used a few months a year, it’s imperative to get it insured. It’s a worthwhile expense, and if you’re smart you can get a reasonably cheap California insurance policy that provides great coverage.

It’s particularly important to insure your watercraft in the Golden State because it has one of the highest rates of watercraft theft in the US. According to the National Crime Insurance Bureau (NCIB), California has the second highest rate of watercraft theft in the country.

How can you save money on your watercraft insurance? One of the first things you should do is protect it from theft. You can do this by securing your watercraft to the dock with a steel cable, locking the detachable motor, and installing a kill switch.

Taking a safety course is also a very good way of getting cheap California insurance for your watercraft. Whether it’s a motorboat, yacht, canoe, catamaran or cruiser, it pays to be prepared. Often, people only use their watercraft a few times a year, so see if you can get a discount for limited use. Other discounts you may be eligible include multi-policy, safe driver, engine size, and idle assisted steering discount.

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