Nikki Farag Agency
Farmers Insurance
Nikki Farag Agency
Farmers Insurance
Whether you’re cruising the Marina del Rey harbor, exploring the coastline, or storing your boat off-season, having the right watercraft insurance is essential. At Nikki Farag Insurance Agency, we offer customized boat insurance coverage for Los Angeles boaters that helps protect against risks like theft, storm damage, liability claims, and accidents on or off the water. We work with you to find a policy that fits your lifestyle and vessel type — from jet skis to sailboats to cabin cruisers. Let us help you enjoy the water with confidence, knowing you’re backed by a trusted Farmers Insurance agent.
Boat and watercraft insurance is designed to protect you, your vessel, and your passengers while out on the water or docked onshore. Most policies include coverage for physical damage caused by collisions, storms, fire, theft, vandalism, and sinking. This typically applies to the hull, motor, trailer, and permanently attached equipment. Whether you own a fishing boat, sailboat, jet ski, or luxury cruiser, you’ll want coverage that reflects the value and use of your watercraft.
In addition to physical damage, watercraft insurance can offer liability protection if you’re responsible for injuring someone or damaging another boat or dock. Optional coverages may include medical payments, uninsured/underinsured boater coverage, personal effects coverage, towing assistance, and fuel spill liability. A well-rounded policy helps ensure you’re covered both on and off the water—so you can navigate with confidence.
Plus and Elite packages both help with the cost of professional haul-out when a hurricane or tropical storm threatens your boat — up to $500 with Plus or $2,000 with Elite.
Optional coverage can help cover the cost of emergency labor if your boat becomes disabled, including towing it to the nearest repair facility. With the Elite package, it may also cover essentials like fuel, oil, or a replacement battery if needed.
With an Elite policy, your coverage may extend beyond U.S. waters to include areas like the Bahamas and Mexico.
Motorcycle Choice packages make it easy to choose — and customize — the coverage you want by combining popular features for different needs and budgets:
Provides Actual Cash Value settlement at an affordable price.
Includes popular options like Total Loss Replacement Cost, Watersports Liability, Diminishing Deductible and Hurricane Haul-out.
Adds unique features to help you protect your boating lifestyle, including coverage for Bahamas and Mexico navigation, Trip Interruption, pets, Enhanced Towing, Pollution Liability, Dinghy and more. You also get policy perks like Loss Forgiveness and Guaranteed Renewal.
Whether you’re cruising the coast, fishing the marina, or enjoying weekend fun on the lake, your watercraft deserves the right protection. At Nikki Farag Insurance Agency, we understand the unique risks that come with boat ownership and are here to help you navigate the right coverage. Let us help you safeguard your time on the water—so you can relax and enjoy the ride.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
Boat insurance typically covers a wide range of vessels, including fishing boats, pontoons, sailboats, jet skis, personal watercraft (PWC), and powerboats used for recreation.
While California doesn’t require boat insurance by law, many marinas and lenders do—and having coverage protects you from costly out-of-pocket expenses in case of an accident or damage.
Standard policies may include liability, physical damage (collision and comprehensive), medical payments, uninsured boater coverage, and towing assistance.
Yes. If you have comprehensive coverage, your policy can help pay for repairs or replacement due to theft, vandalism, or weather-related events.
Most policies provide coverage while your boat is in storage, and some extend protection while it’s being towed—though damage to the towing vehicle is not included.
Liability coverage helps protect you financially if you’re responsible for injuring someone or damaging property while operating your boat.