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Directory of boat insurance agents in Encinitas, California. Verify credentials with the state department of insurance before hiring.
14 agents listed
Updated May 2026
Encinitas, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 14 boat insurance agents in Encinitas, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Encinitas Insurance and Member Services
499 N El Camino Real, Encinitas, CA 92024
(760) 635-1020
ace.aaa.com
Lisa Trapp - State Farm Insurance Agent
1458 Encinitas Blvd, Encinitas, CA 92024
(760) 230-0231
youragentlisa.com
Katie Beach Harlan - State Farm Insurance Agent
531 Encinitas Blvd STE 119, Encinitas, CA 92024
(760) 753-4944
beachinsurance.us
Jake Cesare - State Farm Insurance Agent
227 N El Camino Real Ste 206, Encinitas, CA 92024
(760) 942-2277
youragentjake.com
Schulte Insurance Agency
1036 2nd St, Encinitas, CA 92024
(760) 436-5015
schulteinsurance.com
Nick Witzmann Insurance Agency
330 Encinitas Blvd suite 202c, Encinitas, CA 92024
162 S Rancho Santa Fe Rd F-45, Encinitas, CA 92024
(760) 943-4000
agents.farmers.com
Boat insurance agents in Encinitas California help boat owners protect their vessels against liability damage and theft. California law requires all boat owners to carry liability insurance if they dock at a marina or operate on state waterways. Agents can explain coverage options that meet state requirements and local conditions.
What Does a Boat Insurance Agent in Encinitas Cost?
Boat insurance costs in California vary by boat type value and usage. A typical policy for a small powerboat may cost 300 to 600 dollars per year. For larger yachts or sailboats premiums can range from 800 to 2000 dollars annually. Factors like your boating experience and claims history also affect the rate. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does boat insurance cover in Encinitas California?
Boat insurance in California typically covers physical damage to the boat liability for injury or property damage and theft. Many policies also include coverage for towing and fuel spill cleanup as required by state law.
Is boat insurance required by law in California?
Yes California law requires boat owners to have liability insurance if they use a marina or launch ramp. The minimum liability limit is 100000 dollars for injury or death and 50000 dollars for property damage per incident.
How do I find a boat insurance agent in Encinitas?
You can search for licensed boat insurance agents in Encinitas through the California Department of Insurance website. Local agents understand coastal risks like saltwater damage and seasonal weather patterns.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.