Smooth Sailing Starts With Solid Coverage
From lazy lake days to offshore adventures, your time on the water should be worry-free. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help you protect your boat, your gear, and your guests with watercraft insurance designed for the way you cruise. Whether you own a fishing boat, jet ski, pontoon, or yacht, we’ll tailor a policy that keeps you covered—on and off the water.
Protect your peace of mind—on every wave, wake, or weekend getaway.
What does boat insurance cover?
Policies typically include physical damage coverage, liability, medical payments, and towing. We also offer protection for fishing equipment, trailers, and personal belongings.
Is boat insurance required?
It depends on your state and lender. Even when it’s not required by law, it’s a smart investment to protect against accidents, theft, and liability on the water.
Are my passengers covered?
Yes, most policies include medical payments coverage for passengers. We’ll help you review the limits and customize them to fit your needs.
Does coverage apply out of the water?
Yes—many policies include protection while your boat is in storage or transit.
Coverage That’s Built for the Water
Boating is all about freedom—but it also comes with risks. From weather to wake damage, we make sure you’re prepared. Our policies are flexible, affordable, and customized to your boat type and usage—from weekend recreational riders to seasoned water enthusiasts.
Trusted by Local Boaters Since 1978
As your neighbors in Idaho and California, we understand the boating lifestyle. We’ll help you choose a policy that floats your boat—without sinking your budget. And if something goes wrong, we’re right here to help, every step of the way.