Boat Insurance
Boating in the Pacific Northwest is an amazing adventure surrounded by stunning nature. The coastal areas of Washington, Oregon, and more, creates a paradise for boating lovers.
Having boat insurance means you can fully embrace the beauty knowing that your boat and your experiences are protected.
Boat insurance helps protect you financially so you can enjoy a safe, worry-free time on the water.
Whether you’re on a calm lake or navigating open waters, boating comes with real risks.
Having the right coverage means you’re prepared for unexpected situations.
Setting sail can be the perfect escape from the daily grind. But the open water also brings financial risks. Is your boat insurance as seaworthy as your vessel?
Don’t let unexpected waves capsize your financial security. Our independent insurance agents can help you find coverage that keeps your “financial boat” afloat, no matter what comes your way.
Does homeowners insurance cover your boat?
In most cases, homeowners insurance provides limited coverage for boats. These limits often depend on factors like:
- Boat size
- Engine horsepower
Because of these restrictions, a separate boat insurance policy is typically the best way to ensure proper protection.
What does boat insurance cover?
A standard boat insurance policy may include:
- Collision damage: Covers repair or replacement if your boat is damaged in an accident
- Property damage liability: Covers damage you cause to another person’s boat, dock, or other property
- Bodily injury liability: Helps pay for injuries you accidentally cause to others while boating
- Comprehensive coverage: Protects against theft, vandalism, and some non-collision events
- Additional coverage options: May include medical payments, fishing equipment protection, oil spill liability, roadside or towing assistance
What types of boats can be insured?
We offer coverage for many types of boats and personal watercraft, including:
- Runabout
- Mini jet boat
- Sailboat
- Pontoon
- Houseboat
- Cabin cruiser
- Bass boat or other fishing boats
- Yacht
Why is boat insurance important?
Boat insurance protects you from unexpected costs caused by accidents, damage or liability while on the water.
How can you save on boat insurance?
There are several ways you may be able to reduce your premium:
- Own a home
- Install idle-assisted steering
- Insure multiple boats
- Bundle with other insurance policies
- Are the original owner
- Pay your policy in full annually
- Maintain a clean driving record
- Complete a boating safety course
Why work with an independent insurance agent?
You might think the cheapest policy is the best option, but the price isn’t everything.
Our independent insurance agents help you:
- Understand when to adjust coverage
- Compare options from multiple carriers
- Find a policy tailored to your specific boat and needs
There is no one-size-fits-all solution. Just like your boat fits your lifestyle, your insurance should too.