Compare Boat Insurance for Yosemite National Park & Nearby Waters
From kayaks and fishing boats to small motorboats on Hetch Hetchy Reservoir, Tenaya Lake, and the Merced River, we build policies for Yosemite's lakes and rivers, including trips to nearby reservoirs and streams.
Why Boat Insurance Matters Here
Local waterways in Yosemite feature mountain lakes, rivers, and potential wildlife encounters. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, wildlife damage, salvage, and personal gear. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Exploring Hetch Hetchy or Tenaya Lake? We’ll set navigation limits that match your plans and discuss seasonal storage periods, weather-related risks, and any park permit requirements.
Build the Right Boat Policy
Hull & Valuation
- Agreed Value for total losses (no depreciation) or ACV for lower premiums
- Partial loss settlement on OEM parts where available
- Coverage for machinery/underwater gear (lower units, props, shafts) per form
Liability & People
- Watercraft liability to satisfy park or lake requirements
- Medical payments for you/guests aboard
- Uninsured/underinsured boater (where offered)
Situational Add-Ons
- On-water towing/assistance and soft-ungrounding
- Salvage & wreck removal with separate limits
- Environmental liability and pollution coverage
- Fishing equipment & personal effects (scheduled limits)
- Trailer, tender/dinghy, electronics
Navigation, Storage & Storms
- Inland lake and river navigation territories set to your cruising plan
- Lay-up/storage terms matched to your seasonal habits
- Storm plan & weather-related reimbursement where available
California Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on California waters must be registered with the CA DMV. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a California Boater Card issued via approved courses. Carry your card while operating.
Local Planning
Check water levels, weather (e.g., NPS updates), and park regulations before you cast off. Some areas restrict motorized boats or require permits.
Tip: If your boat is financed or stored in a park area, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Yosemite Boaters Go (and How We Insure It)
Many owners launch near Hetch Hetchy Reservoir or Tenaya Lake and explore the Merced River or nearby lakes. We coordinate navigation limits, towing zones, and weather plans with your storage location—whether you keep the boat at a park campground or trailer to accessible ramps.
Our Process for Yosemite Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland lakes/rivers, seasonal storage, towing zones, weather plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, gear.
- Compliance — confirm registration, safety certificate, and any park permit requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Yosemite Boater
Yosemite National Park, including areas like Yosemite Valley, Hetch Hetchy, and nearby towns such as El Portal, Mariposa, and along the Merced River.
Local Resources
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized boat insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in Yosemite National Park, CA
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and plans. We’ll size liability, choose agreed value vs. ACV, and add towing, salvage, and environmental coverage as needed.
Get Your Boat Insurance Quote in Yosemite National Park
Prefer to talk? Call or text: 833-586-3264.
