Boating Insurance

What floats your boat?

Getting out on the water in your boat, jet ski, or other watercraft is likely one of your favorite ways to enjoy the Great Northwest. But owning a boat can increase liability risks (even when you’re on dry land.) 

Do I need boat insurance?

If you live in the Pacific Northwest, you are not required by law to carry boat insurance. Currently, there are only two states that have this requirement: Arkansas and Utah. 

However, a boat insurance policy can help you stay afloat financially should you hit any unforeseen crosswinds or rough water.

And remember, before hitting the water in Washington, you do need to complete a boating safety course and obtain your Boater Education Card.

Does my homeowner's insurance cover my boat?

Maybe, if it’s parked in your driveway. In other words, a homeowner's insurance policy will only cover damage to your boat that occurs while it is on your property.

Unfortunately, that means you won't be covered if you're in a boating accident at the lake. If you don't carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident.

Your best bet is to purchase a boat insurance policy, which will cover your watercraft - on AND off the water.

What does boat insurance cover?

Most boat and watercraft insurance policies will cover:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

Our agency provides insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini jet boat
  • Sailboat
  • Pontoon
  • House boat
  • Cabin cruiser
  • Bass boat

How much does boat insurance cost?

Generally speaking, boat insurance premiums are low. The cost of boat insurance varies depending on a variety of factors, including your state, zip code, driving record. 

Assuming all weighted factors are equal, the most influential factors that determine the actual cost of your boat insurance include:

  • Type of boat or vessel
  • The boat or vessel's size (usually length)
  • The intended use of the boat or vessel

At All Lines Insurance, we work with carriers who provide multiple discounts to reduce the cost of your boat insurance policy. You may qualify for one or more of the following discounts:

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

How can we help?

We know that insurance can seem overly complicated at times. That's why we're here.

If you have any questions about your existing coverage or want to discuss your options, please do not hesitate to contact us. We are always happy to help.