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HomeBoat Insurance AgentsCalifornia › Rancho Santa Margarita

Find Boat Insurance Agents Near You in Rancho Santa Margarita, CA

Browse boat insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated boat insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 15 boat insurance agents serving Rancho Santa Margarita.

Showing 15 boat insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
9Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
10Farmers Insurance - Cameron Watson30162 Tomas Ste 205(800) 922-6526
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Boat Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita, California area, specializing in boat insurance policies. It provides essential coverage options designed to protect watercraft, including liability protection for accidents on the water. Local boaters receive guidance on hull and machinery coverage. The agent also handles personalized policies for jet skis and small yachts, addressing common risks in Southern California.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Boat Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides boat insurance coverage to clients in Rancho Santa Margarita, CA. Its service options include policies designed for a range of watercraft, and it assists clients with understanding policy details and filing claims when necessary. Maintenance plans are seldom part of standard boat insurance, so the agency focuses on proper risk evaluation and coverage selection. It services properties including single-family homes, apartments, retail locations, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Boat Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Jerry Farcone serves homeowners, boat owners, and property managers in Rancho Santa Margarita, California, offering boat insurance agency services to protect watercraft and related assets. The agency assists clients in selecting appropriate coverage for recreational vessels, ensuring peace of mind on local waterways. It also helps policyholders understand various policy options suitable for their needs. This boat insurance agent additionally covers the neighboring community of Mission Viejo and surrounding areas in South Orange County.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Boat Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding Orange County coastal communities, Rick Sicro - State Farm Insurance Agent provides boat insurance coverage. The agency handles policies for various watercraft, including personal boats and small yachts common in the area. Coverage typically addresses liability, physical damage, and towing needs specific to marine environments. To handle a typical job, the agent starts by reviewing the client’s vessel and local risk factors before explaining available protection options tailored to their boating habits.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Boat Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc in Rancho Santa Margarita, CA helps clients decide between a one-time policy for a single boating season or a recurring annual plan that provides continuous protection. A boat insurance agent can tailor coverage to safeguard against common maritime risks, including physical damage, liability for accidents, and theft of equipment or the vessel itself. This company makes its services available on either a scheduled or as-needed basis according to each client’s boating usage and storage needs.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Boat Insurance Agent · Rancho Santa Margarita, CA

With summer boating season approaching in Rancho Santa Margarita, local owners often seek coverage for their vessels before hitting the water. Adam Bays operates as a State Farm Insurance agent helping residents in the area secure boat insurance policies. The agency works to explain different coverage options such as liability protection and physical damage to the vessel. Customers can schedule an appointment to have their boat’s details reviewed as part of the initial assessment process.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Boat Insurance Agent · Rancho Santa Margarita, CA

Specializing in coverage for personal watercraft and larger vessels, George Menclewicz: Allstate Insurance in Rancho Santa Margarita, CA, provides boat insurance agent services tailored to local mariners. The agency assists clients in securing policies that address liability, physical damage, and towing needs common to Southern California waterways. Understanding the region’s seasonal patterns, it helps boat owners prepare for the heightened storm risks and brush fire season that can affect stored or berthed watercraft along the coast.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Boat Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc serves residential boat owners in Rancho Santa Margarita, CA, with policies tailored for personal watercraft and yachts. They also provide commercial coverage for marinas and charter operations throughout the local area. The agency assists clients across Orange County by assessing liability needs and hull values for varying vessel sizes. Between regular visits, policyholders can follow up with the office to adjust coverage after purchasing a new boat or changing seasonal storage arrangements.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Boat Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services in Rancho Santa Margarita, CA, is known for helping boat owners manage their insurance needs across Orange County and surrounding coastal areas. The agency works with local clients to find coverage for personal watercraft and small to midsize vessels, handling both inland and nearshore policies. Its service range includes evaluating hull values, liability limits, and applicable deductibles to match a client's boating habits. A specialty service this agency can add on is uninsured boater coverage for policyholders.

FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Boat Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Cameron Watson provides marine insurance for watercraft owners in Rancho Santa Margarita, California. The agency can tailor policies for sailboats, powerboats, and personal watercraft to meet specific coverage needs. Clients often add liability protection, physical damage coverage, and towing assistance to their standard boat insurance plans. This Rancho Santa Margarita office can serve customers with small fishing boats, private yachts, and commercial vessels used for charter operations.

PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Boat Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Boat Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795
EI
23142 Arroyo Vista
Edson Insurance Services Inc.
Boat Insurance Agent · Rancho Santa Margarita, CA
(800) 696-7544
TO
22342 Avenida Empresa #255
totalinsuranceaccess
Boat Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com
RI
31441 Santa Margarita Pkwy
Rischel Insurance Services
Boat Insurance Agent · Rancho Santa Margarita, CA
(949) 589-8763

What Does a a Boat Insurance Agent in Rancho Santa Margarita Cost?

Boat insurance costs in California vary widely based on boat value engine type and usage. A typical policy for a small runabout may cost 300 to 600 per year while a larger yacht can cost 1,500 to 5,000 or more annually. Factors like your boating experience storage location and navigation area also affect premiums. This is general information and not insurance advice.

About boat insurance agents in Rancho Santa Margarita

Boat insurance agents in Rancho Santa Margarita help you protect your watercraft against damage theft and liability. California law requires all motorized vessels to carry liability insurance if they are operated on state waterways. Local agents understand the unique risks of boating in Southern California including the Pacific Ocean and Saddleback Valley lakes.

Frequently Asked Questions

What does boat insurance cover in California?

Boat insurance typically covers physical damage to your vessel liability for bodily injury or property damage you cause and medical payments. California law also requires uninsured boater coverage for motorized boats.

Do I need boat insurance in Rancho Santa Margarita?

Yes if you operate a motorized vessel on California waterways you must have liability insurance. Even if not legally required many marinas and lenders require proof of coverage before docking or financing a boat.

How can a boat insurance agent help me?

An agent can explain policy options specific to California including coverage for theft storm damage and towing. They also help you comply with state financial responsibility laws and find the right deductible for your budget.

Boat Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each boat insurance agent's credentials and current standing with your state Department of Insurance.