Protection You Deserve
Do you need affordable boat insurance in Washington? At Boyd Insurance Brokerage, we can help you find the right insurance for your boat, whether you have a small fishing boat or something larger, like a speedboat, sailboat, or cabin cruiser. We can even insure jet skis, hovercraft, and houseboats.
Who Needs Boat Insurance
Washington does not require boaters to have insurance. However, you should have boat insurance in order to protect your investment. At Boyd Insurance, we offer boat insurance for all types of watercraft so that you can rest easy knowing that if your boat gets damaged due to a covered event, your boat insurance is there to help you get it replaced or repaired.
Standard Boat Insurance Coverages
Boating insurance policies typically come with liability, property damage, wreckage removal, fuel spill cleanup, and watersport coverages.
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Liability
The liability coverage for boats is sometimes referred to as bodily injury liability. It helps pay for the medical expenses of visitors, guests, or other boaters that may have been injured during the boating accident.
Property Damage
The property damage portion of your boating insurance policy helps pay for damage to other boats, docks, and marinas. It’s important to note that this works similarly to the liability coverage on your car insurance policy in that it does not pay for damage to your boat.
Wreckage Removal
This portion of your boating insurance policy pays for your boat to be removed from the water if it sinks.
Fuel Spill Cleanup
If your boat leaks any fluids, like oil, gas, or diesel, this coverage helps pay for the cleanup of the spilled liquids.
Watersport Insurance Coverage
If you participate in watersports, like skiing and tubing, from your boat, this coverage helps pay for any injuries that may occur during those activities.
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Optional Boat Insurance Coverage
It’s important to understand that the standard boat insurance coverages are minimally recommended coverages for anyone who owns a boat in Washington State. If you wish to repair or replace your boat, you may need additional coverages.
Comprehensive
Comprehensive boat coverage helps pay for repairs to your boat if it’s damaged through no fault of your own. Typical events that are covered under comprehensive include fire, theft, and vandalism. This type of coverage is usually needed if your boat is damaged while it’s being stored.
Collision
Collision boating insurance helps pays for the repairs for your boat if you come in contact with another boat, docks, marina, buoy, or object in the water.
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Equipment Coverage
If you bring equipment and personal belongings onto your boat, this coverage helps replace them if they are lost at sea. This can include fishing gear, life jackets, diving equipment, electronics like portable GPSs, VHF radios, satellite phones, and items for entertainment.
Towing
If your boat gets stuck on the water, towing coverage can help pay the costs associated with towing your boat to shore, providing jumpstarts, and giving you more fuel.
Umbrella Insurance
If you have a particularly expensive boat or you boat around particularly expensive boats, you may want to consider getting an umbrella insurance policy. This helps pay for damages that are above the policy limits for your standard boating insurance policies. For example, let’s say that your liability insurance has a $500,000 limit, and the damages caused in the boating accident were $750,000. Your umbrella boating insurance policy would help pay for the $250,000 overage.
Local & Family Owned
We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.
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How to get Affordable Boat Insurance in Washington
The cost of your boat insurance policy will depend on the age of the owner of the boat, the make, model, and year of the boat, and your boating experience and education as well as your previous boating claims history.
- Age – In general, boat owners who are older receive lower boat insurance premiums.
- Boat – If your boat is older or expensive, your premiums may be higher than for someone who owns a newer, less expensive boat.
- Boating Experience – If you have lots of experience and education in regard to boating, your insurance premiums may reflect that.
- Boating Claims History – If you’ve had a lot of boating insurance claims, your premiums may be higher.
It’s also important to ask about any discounts. If you have more than one policy from the same insurance carrier, you may be eligible for a multi-line discount.
A few questions away from saving up to 40% on your insurance.
Boat Insurance from Boyd Insurance Brokerage in Washington
While boating insurance in Washington is not required in order to operate a boat in the lakes, rivers, and waterways, it’s still a good idea. Boating insurance helps financially protect you if you have an accident while operating your boat or if your boat gets damaged while it’s being transported or stored. Our agents at Boyd Insurance Brokerage can help you find the right boating policy with the right policy limits for your needs.
To learn more about boat insurance and to get a quote, call us today at (509) 340-2693.
