Personal Insurance
Boat & Watercraft Insurance in Washington
Boating in the Pacific Northwest is not the same risk as boating on a lake, and a policy written without regard to where you actually go is a policy with a hole in it. Navigational limits, salvage exposure and the cost of a fuel spill all matter more in these waters.
The other thing that catches owners out is assuming a homeowners policy handles it. Homeowners forms typically extend to very small craft with limited horsepower, and stop well short of anything most people would call a boat.
We write everything from small runabouts through cruising sailboats and powerboats. We would rather ask where you cruise before quoting than discover it afterward.
Boat Insurance Coverage Typically Includes:
- Hull, machinery, fittings, furnishings, and permanently attached equipment
- Coverage for inland waterways or coastal waters
- Theft of the vessel or equipment
Coverage Can Also Be Triggered By:
- Bodily injury caused to another person
- Property damage caused to someone else's property
- Guest/passenger liability for legal expenses incurred by someone using the boat with the owner's permission
- Medical payments for injuries to the boat owner and other passengers
Common questions about watercraft insurance
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Our team is here to help you find the right coverage.