Make your time on the water relaxed and worry-free with the right coverage. Serving Ramona and all of California.

Boat Insurance That Protects What Matters Most

Your time on the water should be about freedom — not risk.

Horton Insurance Agency, Inc. will design a boat insurance policy that protects you, your passengers, your watercraft, and your equipment — so you can enjoy every trip with confidence.

And the best part?
The average boat costs less than $1 a day to insure.

Request your free online quote or call 619-465-9100 to get started.

Coverage Built for California Boaters

When shopping for boat insurance, details matter. We help you understand your options and choose protection that truly fits your lifestyle.

Navigational Area

Know exactly where you’re covered. Some policies protect you up to 75 miles offshore, into Canadian coastal or inland waters, and into Pacific coastal waters of Mexico. Additional coverage areas may be available depending on your needs.

Agreed Value Coverage

Boats depreciate — but your payout shouldn’t.
With agreed value coverage, if your boat is a total loss, you receive the insured value (minus deductible) — not a depreciated amount.

Liability Coverage

If you’re at fault in a boating accident, liability coverage protects you. It pays for damage to another person’s property, medical expenses, lost wages, and other associated costs. On the water, strong liability protection is essential.

Medical Payments

Covers necessary medical expenses resulting from a boating accident — for you, your passengers, and even water skiers or tubers — regardless of fault. Limits typically range from $500 to $10,000.

Physical Damage Coverage

Pays to repair or replace your boat, motor, permanently attached equipment, and trailer if they’re damaged or stolen.

Uninsured / Underinsured Watercraft Coverage

Not every boater carries insurance. If you’re injured by an uninsured or underinsured operator, this coverage helps pay for medical bills, lost wages, and related expenses.

Fuel Spill Liability & Wreckage Removal

If your boat sinks or leaks fuel, you’re legally responsible for cleanup — and it can be extremely expensive. This coverage protects you from those potentially devastating costs.

Personal Effects Coverage

Protects personal items such as clothing, jewelry, cell phones, fishing gear, and sporting equipment.

Unattached Equipment Coverage

Covers items not permanently attached to your boat but designed for marine use — including life vests, skis, anchors, oars, fire extinguishers, and more.

Emergency Assistance

Provides towing, labor, fuel delivery, oil, or battery assistance if your watercraft becomes disabled on the water.

Every boat. Every owner. Every need — different.

Let Horton Insurance Agency, Inc. build the right protection plan for you, so you can focus on the horizon — not the “what if.”

Request your free quote today or call 619-465-9100 and get covered before your next launch.