Boat & Watercraft Insurance in La Mesa, CA

Year-round protection for your boat, jet ski, or personal watercraft.

Coverage That Floats When You Need It Most

Whether you're docking at Lake Murray, trailering out to El Capitan Reservoir, or hitting the bay in San Diego, having the right boat insurance in California is essential. At Colston Insurance Agency, we help boaters across La Mesa, Ramona, and all of San Diego County protect their vessels, passengers, and gear with policies designed for both inland and coastal adventures. From fishing boats to jet skis and pontoons, we offer affordable, flexible coverage that sails with you.

What Does Boat Insurance Cover?

Boat and personal watercraft insurance helps protect your investment from damage, theft, and liability—on and off the water. Whether you use your boat seasonally or year-round, we help tailor coverage that works with your usage, storage, and travel habits.

Liability Insurance

Covers bodily injury or property damage you cause to others while operating your boat—required by many marinas and highly recommended in busy waterways.

Comprehensive & Collision

Pays to repair or replace your boat if it’s stolen, vandalized, or damaged in a crash, fire, or severe storm.

Equipment & Personal Effects

Covers fishing gear, depth finders, life vests, and other personal items lost or damaged on board.

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Expand Your Protection with Specialty Add-Ons

Standard watercraft insurance might not cover everything. That’s why we offer additional coverage options for high-performance boats, luxury watercraft, and specialty usage like fishing or towing.


Common add-ons include:


  • On-water towing and roadside trailer assistance
  • Fuel spill and environmental cleanup liability
  • Wreck removal coverage
  • Uninsured/underinsured boater coverage
  • Agreed value coverage for custom or newer boats

Whether your boat is parked in a Lakeside driveway or stored in a marina near Mission Bay, we’ll make sure it’s properly protected.

What Impacts Boat Insurance Costs in California?

Boat insurance premiums depend on several factors: your vessel type, size, horsepower, storage location, and how often and where you operate it. San Diego boaters often face higher premiums due to saltwater exposure and longer boating seasons.


Owning a smaller vessel, completing a boating safety course, or bundling with your auto or home insurance can help reduce costs. We’ll also factor in your driving and boating history, engine size, and additional accessories like trailers or electronics.



From jet skis to cabin cruisers, we help you get affordable boat insurance in California with no surprises.

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Why Work With a Local Watercraft Insurance Agent?

We live here. We know the lakes, marinas, and local regulations—like which bodies of water require liability waivers or special permits. At Colston Insurance, we work with recreational boaters across East County and San Diego to create personalized, affordable insurance policies that truly reflect how and where you boat. Whether your vessel is docked in Ramona or hauled down to the coast, our team is here to help you navigate insurance with clarity and confidence.

Boat Insurance FAQs

  • Is boat insurance required in California?

    While boat insurance isn’t legally required in California, many marinas and private launch sites require proof of liability coverage. It’s strongly recommended for any powered watercraft.

  • Will my homeowners policy cover my boat?

    Most homeowners policies offer limited coverage (typically under $1,500) and exclude liability for watercraft over certain speeds or lengths. Dedicated boat insurance is essential for real protection.

  • What’s the difference between agreed value and actual cash value coverage?

    Agreed value pays the full insured amount without depreciation if your boat is totaled, while actual cash value deducts depreciation. We’ll help you decide what makes sense based on your boat’s age and condition.

  • Does boat insurance cover towing or breakdowns on the water?

    Not automatically. You can add optional towing and assistance coverage to help with breakdowns, dead batteries, or emergency fuel delivery while boating.

  • Can I insure my jet ski or Sea-Doo under my boat policy?

    Yes. We offer personal watercraft insurance tailored to jet skis, Sea-Doos, and WaveRunners. These can be standalone policies or bundled into broader watercraft coverage.

Looking to insure other vehicles? Visit our RV Insurance, Motorcycle Insurance, or Auto Insurance pages. Or explore all your options at our Auto & Vehicle Insurance hub. Ready to protect your boat with confidence? Contact us today for a personalized boat insurance quote in La Mesa or anywhere in San Diego County.