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Boat Insurance in Rancho Cucamonga CA & Temecula CA

In CA summer can only mean one thing – boating! However, while a leisure activity, hitting the water is not without associated risks. At Cornerstone Commercial & Personal Insurance Services, 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 Rancho Cucamonga, Temecula, and the surrounding areas.

Standalone Boat Insurance Quotes in Rancho Cucamonga, 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 Cornerstone Commercial & Personal Insurance Services 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 numerous carriers 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

Cornerstone Commercial & Personal Insurance Services 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 Locations

Cornerstone Commercial & Personal Insurance Services

9340 Baseline Road, Suite 103 
Rancho Cucamonga, CA 91701
Main office: 909-941-9080

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Las Vegas Office

Remote
Las Vegas, NV 89121
Main office: 702-547-6662

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

Phil and his staff are the Best of the Best. I have used the services of Cornerstone Insurance for many years. I have recommended Phil and his staff to all my family and friends and all have been exceptionally pleased. I would highly recommend Phil and Cornerstone Insurance to anyone.
- David D.
I have been buying insurance from Phil forever. He always finds me a great deal with all of the coverages that I need.
- John T.
I am in the property management business and have been involved with Phil and his staff at Cornerstone Insurance for well over a decade. When I first met Phil I was impressed with his knowledge of his industry and his concerned and friendly approach with his clients. I soon began referring my clients to him for their insurance needs and many have been Cornerstone clients for several years. When ever I've needed to deal with a claim, the Cornerstone staff has been on top of the issue and I couldn't be happier with their coverage and customer service.
- David L.
I work in the HOA world and have been very pleased with the service I have received from Deedy & the staff at Cornerstone insurance. They are always prompt, informative, and very understanding. I love working with Deedy & hope to continue to do so!
- Danielle A.