San Diego has 1,389,526 residents in 530,412 households. We list 50 agencies for boat insurance in San Diego. Here is what the local numbers say about the cover people here need.

San Diego at a glance

50boat insurance agencies listed
52.7%of households rentRenters insurance
$906,700median home valueHome insurance
1979median year homes were builtRebuild cost calculator
6.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in San Diego County

FEMA rates the overall natural hazard risk in San Diego County, where most San Diego agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in San Diego
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in San Diego How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies San Diego agencies work with

Of the 50 San Diego agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers28 agencies
The Hartford23 agencies
Nationwide22 agencies
Employers19 agencies
Travelers (Standard Fire)19 agencies
Safeco18 agencies
Liberty Mutual (Safeco)17 agencies
Liberty Mutual16 agencies
Markel15 agencies
Nationwide (Allied)15 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where San Diego agencies are

San Diego agencies we list sit in 19 ZIP codes, mostly in San Diego County.

921019 agencies
921087 agencies
921234 agencies
921314 agencies
921113 agencies
921173 agencies
921303 agencies
921032 agencies
921212 agencies
921262 agencies
921272 agencies
921282 agencies
921041 agency
921061 agency
921071 agency
921091 agency
921151 agency
921541 agency
921691 agency

Questions

Boat insurance in San Diego

All insurance agencies in San Diego · Boat insurance across California

Where can I find boat insurance in San Diego?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does boat insurance cover?

Covers your hull, motor, trailer and liability on the water.

Which insurance companies do San Diego agencies work with?

Among the 50 San Diego agencies whose appointments we hold, the companies they are most often appointed with are Travelers (28), The Hartford (23), Nationwide (22), Employers (19), Travelers (Standard Fire) (19). An appointed agency can quote that company's policies.

Do I need flood insurance in San Diego?

FEMA's National Risk Index rates inland flooding risk in San Diego County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Boat insurance near San Diego

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