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Boat Insurance in El Dorado Hills, CA and Folsom, CA

In CA summer can only mean one thing – boating! However, while a leisure activity, hitting the water is not without associated risks. At Suburban Family Insurance Agency, we understand the exposures facing those who own a boat, and are dedicated to keeping them protected with customized insurance coverage.

From sailboats and yachts to jet skis and runabouts, we routinely insure a variety of boats in El Dorado Hills, Folsom, and the surrounding areas.

Standalone Boat Insurance Quotes in El Dorado Hills, CA

Many boaters believe that their homeowners’ policy will provide coverage for their boat. While there are some very basic coverages that extend to a watercraft, such as liability, these coverages are limited to boats with a certain horsepower. Actual damage to your watercraft is often excluded from being claimed on a homeowners’ policy. The best way to cover your watercraft is with a boat insurance policy, which one of our agents will happily quote for you.

Levels of coverages offered at Suburban Family Insurance Agency include replacement watercraft, agreed value and guaranteed value policies.  Additional coverage is also available for fishing equipment, trolling motors, radios, cameras, cell phones, life jackets, ropes, buoys, medical payments for skiers, and more.

Insurance for Outboard Motors, Fishing Equipment, and More

We work with carriers such as Nationwide that offer specific coverages and discounts especially beneficial for boat owners. Our goal is to educate our clients, so we encourage boat owners to use their insurance policies in the most efficient way. For example, one common misconception is that it’s good practice to cancel boat insurance policies during the winter months. We advise our clients against leaving themselves unprotected in this way.

To make maintaining protection easier and more affordable for clients, we’ve chosen to work with carriers that offer incentives for keeping your policy active all year, such as renewal or longevity discounts, disappearing deductibles, deductible waivers, and other added coverages.

Why a Boat Insurance Policy Lends More Protection

Suburban Family Insurance Agency agents get to know you and how you use your boat to create a policy that fits your needs perfectly. One question we always ask is where you moor your boat during season and where it’s stored during off-season. If they’re separate locations, we review the benefits of a standalone boat insurance policy, which generally provides broader coverage that is not limited by the boat’s location.

We also like to ask the primary usage of the boat (fishing, skiing, residence, vacation, etc.), where it is primarily used, and if it is trailered to other lakes, towns, counties or states. We also help you protect your content by learning about the types of items that are kept on the boat, like ropes, life jackets, fishing equipment, extra motors, and more. All these facts help us create a policy that covers every aspect of your boating experience.

To review your boat insurance options with fellow boaters, request a quote or contact us today.

Additional Resources


Our Location

Suburban Family Insurance Agency

889 Embarcadero Drive, Suite 101
El Dorado Hills, CA 95762
Main office: 916-804-7848

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers


Katie made insurance so easy. She looked over our policies that we currently had and went above and beyond to get us better coverage for less money. We literally did nothing more than give her a small amount of information and she did all the work. It took really no time or effort on our part. She even organized our policy information into a binder so it would be easy to find and keep in order. She really cares and did such a thorough job. I highly recommend her.
- Kristin Reiser
Katie has been fantastic! She is very thorough and very knowledgeable. Highly recommended!
- Nick Klusty
Katie went above and beyond to make sure that my home and autos were covered as well as they possibly could be. Her follow up and accessibility are unparalleled. You can't go wrong with Suburban Insurance.
- Gabby Merrill McGraw
No pressure just an honest person doing her job to make sure I'm being taken care of. Easy!
- Jenelle Bernstein- Nilluka