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Protect Your Vessel. Navigate With Confidence.
Water & Marine Insurance in San Diego & Chula Vista
Whether you’re docking in Mission Bay or cruising the Pacific, boat ownership comes with real risks. Water & Marine Insurance helps protect your watercraft, passengers, and property from the unexpected — on and off the water. With over 25 years of experience, Preferred Property & Casualty offers tailored policies for California boaters, yacht owners, and waterfront homeowners.
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What’s Covered
Comprehensive Protection for Watercraft and Waterfront Risks
Watercraft & Boat Insurance
Covers physical damage, liability, theft, and passenger injuries for boats, PWCs, and other personal watercraft.
Yacht Insurance
Higher-limit coverage for luxury vessels — including hull protection, crew liability, and navigation beyond California waters.
Flood Insurance
Protects your home and belongings from water damage caused by external flooding — often not covered by standard home policies.
Built for Coastal Lifestyles & Recreational Boaters
Specialized Coverage for Water-Based Risk
From marina liability to storm damage, we help you secure the right protection based on where and how you use your vessel.
More Than Just a Boat Policy
We coordinate marine coverage with your homeowners, umbrella, and auto insurance for seamless protection — especially for waterfront properties.
Trusted Carriers. Local Advisors. Flexible Limits.
We work with top-rated marine insurers and help you understand what’s required, what’s recommended, and how to stay protected.
Common Questions
Is boat insurance required in California?
Not by state law, but many marinas require it — and it’s strongly recommended to protect your vessel and liability.
Does homeowners insurance cover my boat?
Only to a very limited extent. We recommend separate watercraft coverage to ensure full protection.
Do I need flood insurance for a waterfront home?
Most likely. Standard home policies do not cover flooding — and properties near water are at higher risk.
