Boat insurance Orange County boaters trust, yacht insurance Dana Point specialists
Coverage for your boat or yacht
Boat insurance Orange County owners choose should address liability on the water and hull coverage for the vessel. Policies can include agreed value options for newer or high-value boats, uninsured boater and medical payments, and coverage for tenders, trailers, and equipment like electronics and fishing gear. We explain how small craft are treated under homeowners insurance and when a separate marine policy is the smarter choice. Many clients also carry umbrella insurance to extend liability for marina requirements and yacht club events.
Coastal considerations in South OC
Marinas near Dana Point Harbor and Newport Harbor often require proof of insurance with specific liability limits and additional insured wording. Navigation limits define where you can operate, and some carriers ask for a storm plan or haul-out arrangements during severe weather. We coordinate certificates with marinas and confirm coverage for transit, storage, and lay-up periods.
Local marine expertise with carrier choice
We know the paperwork marinas expect and the timelines they set for certificates. Philip B. Robinson Insurance coordinates umbrella insurance with marine liability and tracks renewal dates so you can focus on time on the water.
Is my boat covered on land and on the water?
Marine policies can cover the vessel while afloat, stored, and in transit. We confirm lay-up periods, trailering terms, and storage locations so coverage follows the boat year round.
Do I need a survey for an older vessel?
Many carriers require a recent marine survey for older boats or yachts to confirm condition and value. We review survey requirements by size, age, and construction.
Does homeowners insurance cover small craft?
Homeowners policies may offer limited coverage for very small boats and low horsepower, often with exclusions. A dedicated marine policy provides broader protection, higher limits, and maritime-specific liability.
What is uninsured boater coverage and why is it important?
It helps pay for injuries to you and your passengers when struck by a boater who lacks insurance. We recommend it for busy harbors and coastal waters.
Are there navigation limits or storm deductibles I should know about?
Policies define operating areas and may include named storm deductibles. We tailor terms to your routes and confirm marina document requirements.
Why Philip B. Robinson Insurance for marine clients
Philip B. Robinson Insurance places coverage for runabouts, sailboats, and yachts with carriers that understand Southern California waters. We help you choose deductibles, salvage terms, and towing options, then keep documents current for slip renewals and regattas.
Request a marine quote
Share your vessel specs, marina, and navigation plans. We will return options that match how you boat in South Orange County.