The top-rated boat insurance agent in San Luis Obispo, California is Mike Smith - State Farm Insurance Agent, rated 5.0 stars across 170 reviews. Other highly rated options include Catherine Riedstra - State Farm Insurance Agent, Susan Rodriguez - State Farm Insurance Agent, Todd Thomas - State Farm Insurance Agent. This directory lists 20 boat insurance agents serving San Luis Obispo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mike Smith - State Farm Insurance Agent | 1608 Johnson Ave | (805) 546-8393 |
| 2 | Catherine Riedstra - State Farm Insurance Agent | 3591 Sacramento Dr STE 114 | (805) 466-4355 |
| 3 | Susan Rodriguez - State Farm Insurance Agent | 799 Foothill Blvd D | (805) 783-7050 |
| 4 | Todd Thomas - State Farm Insurance Agent | 1238 Marsh St | (805) 543-0650 |
| 5 | Marc Amesse - State Farm Insurance Agent | 2251 Broad St A | (805) 543-0889 |
| 6 | Polk Insurance Agency | 1443 Marsh St | (805) 544-6454 |
| 7 | SLO Insurance Services | 1494 Mill St | (805) 543-7564 |
| 8 | Minton Insurance | 1042 Pacific St # E | (805) 546-8113 |
| 9 | McGee Insurance Agency | 2000 Broad St | (805) 543-8833 |
| 10 | Morris & Garritano Insurance | 1122 Laurel Ln | (805) 543-6887 |
Mike Smith - State Farm Insurance Agent serves the San Luis Obispo area, offering boat insurance solutions for local watercraft owners. The agency helps clients secure coverage that protects against common risks on nearby coastal and inland waterways. Policies typically address liability, physical damage, and medical payments for a range of vessels. As a State Farm representative, the office provides personalized service to match each boater's unique needs. This location regularly assists with policies for personal watercraft and sailboats navigating the region's diverse marine environments.
Catherine Riedstra’s State Farm Insurance Agency delivers boat insurance options for local watercraft owners in San Luis Obispo. Service plans include liability coverage, comprehensive protection, and policies for damages or theft. Personal watercraft and small fishing boats are addressed within these plans. The agency assists customers with policy adjustments, claims filing, and renewals. Properties serviced include single-family homes, apartments, and the retail and restaurant businesses that operate along the Central Coast.
Susan Rodriguez - State Farm Insurance Agent serves boat owners and residents across the San Luis Obispo area, providing coverage for a range of watercraft. The agency helps local homeowners and individuals protect their vessels against common risks on the Central Coast waterways. Clients can discuss personal insurance needs for boats, including liability and physical damage options. This boat insurance agent also extends its services to neighboring communities in Arroyo Grande.
Todd Thomas - State Farm Insurance Agent serves San Luis Obispo and the surrounding communities of California’s Central Coast. This office handles boat insurance policies for a variety of watercraft, including sailboats and powerboats used on local lakes and coastal waterways. The agency works to match policy coverage with a client’s specific boating activities and storage arrangements. For a typical job, it reviews risk factors such as navigational range and vessel value, then customizes a quote with agreed-upon liability and physical damage options.
Marc Amesse - State Farm Insurance Agent in San Luis Obispo, CA offers both one-time policies for seasonal boaters and recurring annual coverage for year-round vessel owners, with each option including liability and physical damage protection. As a boat insurance agent, the agency helps navigate specific local navigational needs, such as coverage for trips along the Central Coast and inland waterways. The services operate on a scheduled basis, typically aligning with policy renewal cycles and a clients chosen coverage term.
Polk Insurance Agency in San Luis Obispo provides tailored boat insurance coverage, including policies for sailboats, yachts, and personal watercraft. It also offers general marina and liability protection for local boat owners navigating California’s coastal and inland waterways. The agency helps clients manage risks specific to the Central Coast, such as sudden fog conditions and seasonal storm surges that can damage vessels at moorage.
As the spring season approaches and boat owners along the Central Coast prepare to launch their vessels, SLO Insurance Services in San Luis Obelisco focuses on protecting those watercraft. Acting as a local boat insurance agent, the company addresses common needs like liability coverage for cruising near Morro Bay or damage protection for storage during off-months. Their process begins with a straightforward review of a client’s specific vessel and typical usage, followed by an in-person inspection of the boat to confirm its condition before finalizing any coverage details.
Minton Insurance in San Luis Obispo, California, serves as a knowledgeable boat insurance agent for local watercraft owners. The company helps clients secure coverage for vessels used along the Central Coast, including options for liability, physical damage, and potential towing services. Policies are tailored to fit a variety of boat sizes and usage types, from small fishing boats to larger cruisers. A specialty service it can add on is protection for personal watercraft, such as jet skis, extending coverage beyond standard boat policies.
Residential boat owners in San Luis Obispo count on McGee Insurance Agency for personalized coverage options tailored to their local waterways. The agency also provides commercial boat insurance for area businesses needing protection for larger vessels used in operations. Service extends across San Luis Obispo and its surrounding coastal communities, ensuring convenient access for clients throughout the region. After an initial policy setup, the team routinely follows up with customers to adjust coverage between regular seasonal visits, addressing any new needs that arise.
Morris & Garritano Insurance provides boat insurance services for clients in San Luis Obispo, California. The agency can offer liability protection for watercraft, along with add-ons such as coverage for trailer transport or on-water towing. Policies may include safeguards against physical damage, theft, or personal property loss during operation. Morris & Garritano Insurance serves a range of commercial sectors, including offices, warehouses, and food service businesses in the area.
What Does a a Boat Insurance Agent in San Luis Obispo Cost?
Boat insurance costs in California vary widely based on boat value, size, usage, and your driving record. For a small runabout or fishing boat, annual premiums often range from 300 to 600 dollars. For larger yachts or high-performance vessels, costs can exceed 1,500 dollars per year. Factors like storage location in San Luis Obispo and navigation area also affect rates. This is general information and not insurance advice.
About boat insurance agents in San Luis Obispo
Boat insurance agents in San Luis Obispo help protect your watercraft against risks on the Central Coast. California requires liability insurance for boats with motors over 10 horsepower. Local agents can guide you through state-specific requirements such as the California Department of Boating and Waterways regulations.
Frequently Asked Questions
What does boat insurance cover in San Luis Obispo?
Boat insurance typically covers physical damage, liability, medical payments, and uninsured boater protection. In California, liability coverage is required for boats with motors over 10 horsepower. Your agent can help you choose limits that meet state minimums.
Do I need boat insurance in California?
Yes, California law requires liability insurance for any vessel with a motor of 10 horsepower or more. This includes sailboats with auxiliary motors. Failure to carry insurance can result in fines and registration suspension.
How do I find a boat insurance agent in San Luis Obispo?
You can search online for local independent agents or contact major insurers that offer marine policies. Many agents in San Luis Obispo specialize in watercraft coverage for the Central Coast. Ask about policies that include towing and salvage coverage for local waters.
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