ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Boat Insurance Agents Near You in Monterey, CA

Browse boat insurance agents serving Monterey, California. Updated 2026-07-14.

The top-rated boat insurance agent in Monterey, California is Jim Rinehart - State Farm Insurance Agent, rated 5.0 stars across 281 reviews. Other highly rated options include AAA Monterey Branch, Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance. This directory lists 12 boat insurance agents serving Monterey.

Showing 12 boat insurance agents in Monterey, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jim Rinehart - State Farm Insurance Agent2511 Garden Rd Suite C-125(831) 393-8500
2AAA Monterey Branch53 Soledad Dr(831) 645-1900
3Farmers Insurance - Jessica Connally404 W Franklin St Ste 102(831) 424-0829
4Natalie Hungerford: Allstate Insurance591 Hartnell St(831) 642-6400
5Christopher Thom: Allstate Insurance201 Calle Del Oaks Ste A(831) 373-2791
6Capital Insurance Group1 Lower Ragsdale Dr(877) 200-4220
7Cowell & Smith Insurance Agency2250 N Fremont St(831) 372-5800
8Finch and Pirkle Insurance482 Alvarado St(831) 372-1206
9HUB International401 Fremont St Unit 100(831) 373-4925
10Monterey Bay Insurance Services Inc311 Vía Gayuba(831) 649-6941
JR
2511 Garden Rd Suite C-125
Jim Rinehart - State Farm Insurance Agent
Boat Insurance Agent · Monterey, CA

Jim Rinehart - State Farm Insurance Agent serves the Monterey, California area with boat insurance services designed to protect local watercraft owners. The agency offers coverage options that address regional needs such as coastal navigation and marina storage. Policies can include liability protection for personal vessels used on Monterey Bay and nearby inland waterways. Hull damage and towing assistance are among the specific services this agent handles for clients with sailboats or powerboats docked in the area.

AM
53 Soledad Dr
AAA Monterey Branch
Boat Insurance Agent · Monterey, CA

AAA Monterey Branch offers boat insurance coverage for a variety of recreational and commercial vessels in the Monterey area. Its policies can include liability, physical damage, and protection against theft or weather-related incidents. The agency can assist clients with policy reviews, coverage adjustments, and claims support tailored to local boating conditions. It services individual single-family homes with personal watercraft, apartment tenants with small boats, retail businesses that operate watercraft, and restaurants that require marine liability coverage for their waterfront operations.

FI
404 W Franklin St Ste 102
Farmers Insurance - Jessica Connally
Boat Insurance Agent · Monterey, CA

Homeowners and boat owners in Monterey, CA turn to Farmers Insurance - Jessica Connally for tailored boat insurance agent services. They assist clients in securing coverage that protects watercraft from common risks in the coastal region, including damage from storms and liability concerns while docking or navigating local harbors. Their work involves explaining policy options and helping customers choose appropriate limits for their vessels. This agency also serves the neighboring community of Pacific Grove.

NH
591 Hartnell St
Natalie Hungerford: Allstate Insurance
Boat Insurance Agent · Monterey, CA

Natalie Hungerford: Allstate Insurance serves the Monterey, California area and the surrounding coastal communities. The agency handles policy options for various watercraft, including sailboats, powerboats, and personal watercraft. Coverage typically addresses liability, physical damage, and towing needs for boat owners in the region. The general approach involves discussing a client’s specific vessel use and storage situation to tailor a policy that meets their coverage requirements.

CT
201 Calle Del Oaks Ste A
Christopher Thom: Allstate Insurance
Boat Insurance Agent · Monterey, CA

When insuring a boat, clients can choose either a one-time policy for a single season or voyage, or a recurring annual plan for ongoing protection year-round. Coverage typically includes liability protection, physical damage from collisions or weather, and sometimes towing or wreck removal services. Christopher Thom Allstate Insurance in Monterey, CA, provides personalized guidance to help boat owners select the appropriate limits and deductibles for their watercraft. This agency offers quotes and policy adjustments on an as-needed basis, accommodating both occasional and frequent mariners.

CI
1 Lower Ragsdale Dr
Capital Insurance Group
Boat Insurance Agent · Monterey, CA

Capital Insurance Group in Monterey, California provides specialized boat insurance policies for local watercraft owners. It assists with coverage for vessels navigating the coastal waters of the Central Coast, including protection against common perils like collisions and storm damage. The agency works with clients to tailor plans for personal watercraft, fishing boats, and yachts. As a boat insurance agent in this area, it addresses seasonal concerns such as winter storage requirements and increased summertime boating activity along the Monterey Peninsula.

CS
2250 N Fremont St
Cowell & Smith Insurance Agency
Boat Insurance Agent · Monterey, CA

As the fog lifts and spring winds begin to sweep across Monterey Bay, local boat owners start preparing their vessels for the season ahead. Cowell & Smith Insurance Agency, located in Monterey, CA, serves as a boat insurance agent for these maritime needs. The company helps skippers match coverage to their specific vessel and cruising habits, addressing liability, physical damage, and personal property protection on the water. A typical first step involves a thorough inspection of the boat to assess its condition and confirm its seaworthiness.

FP
482 Alvarado St
Finch and Pirkle Insurance
Boat Insurance Agent · Monterey, CA

Based in Monterey, CA, Finch and Pirkle Insurance provides residential boat insurance coverage for local owners, with commercial policies also available for marine businesses throughout the surrounding coastal region. Their work involves matching standard policies to each vessel’s specific usage and storage conditions, helping clients meet marina requirements and liability needs. They remain in contact between regular policy visits to handle seasonal coverage adjustments or claims follow-up.

HI
401 Fremont St Unit 100
HUB International
Boat Insurance Agent · Monterey, CA

HUB International provides boat insurance services to clients in Monterey, California, helping them protect property on the water. The company can arrange policies that address unique risks for various types of watercraft and agree on appropriate coverage limits for each vessel. It may also help clients add customized protections such as liability or mechanical breakdown coverage. Beyond individual boat owners, the agency is positioned to serve commercial clients, including offices, warehouses, and food service establishments, needing tailored insurance solutions for their operations.

MB
311 Vía Gayuba
Monterey Bay Insurance Services Inc
Boat Insurance Agent · Monterey, CA

Monterey Bay Insurance Services Inc is known for providing boat insurance coverage to clients in Monterey, California. Its service range includes policies for various watercraft operating along the scenic coastline and inland waterways of the region. The agent works with local boat owners to address common risks such as storm damage, theft, and liability from on-water accidents. Mariners may add specialty coverage for personal effects kept onboard, ensuring comprehensive protection for their vessels.

BI
444 Pearl St
Bray Insurance
Boat Insurance Agent · Monterey, CA
(831) 375-1600
brayinsurance.com
PL
9699 Blue Larkspur Ln STE 101
Pacific Legacy Insurance Services Inc
Boat Insurance Agent · Monterey, CA
(831) 626-4561
pacificlegacyinsurance.com

What Does a a Boat Insurance Agent in Monterey Cost?

Typical boat insurance costs in California range from 300 to 800 dollars per year for a small powerboat. Larger yachts or sailboats can cost 1000 to 3000 dollars annually. Factors include boat value horsepower navigation area and your claims history. This is general information not insurance advice.

About boat insurance agents in Monterey

Boat insurance agents in Monterey California help you protect your vessel against damage theft and liability. California law requires liability coverage for boats with motors over certain horsepower. Local agents understand the unique risks of Monterey Bay including fog and rocky shorelines.

Frequently Asked Questions

What does boat insurance cover in Monterey California?

Standard policies cover physical damage to your boat liability for injuries or damage to others and medical payments. California law also requires uninsured boater coverage in some cases. Your agent can explain optional coverages like towing and salvage.

Do I need boat insurance to dock in Monterey Harbor?

Yes most marinas in Monterey require proof of liability insurance before you can dock. The minimum coverage is usually 300000 dollars. Your agent can help you meet these requirements.

How does California law affect boat insurance costs?

California requires boat owners to carry liability insurance if the boat has a motor of 10 horsepower or more. This law can increase minimum premiums. Your agent will factor in your boat type and usage to find a policy.

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.