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Find Boat Insurance Agents in Rancho Santa Margarita, CA
Compare boat insurance agents in Rancho Santa Margarita. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
Rancho Santa Margarita, 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 15 boat insurance agents in Rancho Santa Margarita, 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.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Edson Insurance Services Inc.
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(800) 696-7544
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
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.
What Does 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.
* 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 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.
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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.