Boat Insurance

Looking for Boat Insurance in Washington state?

Boats and personal watercrafts are big investments, but if you love being out on the water, you know they’re worth it. Whether you’re a boat owner that lives in Puyallup, Ferndale, Monroe or any other part of Washington state, PNW Insurance is here to help!

PNW Insurance Group can help make your time on the water relaxed and worry-free. We will find you comprehensive boat insurance protection that protects you, your friends, family, your watercraft, and your boating equipment. Get a boat insurance quote.

What is boat insurance?

Boat insurance is designed to protect you by paying to repair or replace your boat in the event it is damaged, lost, or stolen. The type of coverages included and available in a boat policy can widely vary based on your specific needs as well as the water you will traffic, they type of boat you have, and how often the boat is being used.

Do I need boat insurance?

If you are financing your boat or docking it at a marina or harbor, chances are you will need to show proof of boat insurance. Even if you don’t technically need boat insurance, it is still highly recommended as this type of investment is designed to protect you from unexpected events and help pay for damages or injuries caused by your boat.

But wait, doesn’t home insurance cover my boat? Well, if it has a motor, probably not. Home insurance will typically extend to self propelled boats like Kayaks, Canoe’s and Paddleboards. Once you put a motor on it however, home insurance policies will often exclude coverage.

What can boat insurance cover?

Your boat

    • Navigational Area
    • Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In Washington, Florida and Oregon, coverage for additional areas can be purchased.

    • Physical Damage Coverage
    • Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

    • Agreed Value Coverage
    • Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss, you will get the value you insured it for, minus any deductible.

    • Fuel Spill Liability and Wreckage Removal
    • Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

    • Emergency Assistance
    • The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.


      • Medical Payments
      • Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

      • Uninsured/Underinsured Watercraft Bodily Injury
      • Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

      Your belongings

        • Personal Effects
        • Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.

        • Unattached Equipment Coverage
        • This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

        Other people

          • Liability
          • Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

          How much does boat insurance cost?

          Boat insurance is priced, like many other insurance products, based on risk. Factors that will most likely affect how much your boat insurance policy will cost include your insurance claims history, the type and value of your boat, and how much boat experience you have.

          How do I purchase boat insurance?

          To get started on your boat insurance quote today, simply call our office directly or complete the fields below!

          As an independent insurance agency, PNW Insurance Group can help make your time on the water relaxed and worry-free. We will find you comprehensive boat insurance protection that protects you, your friends, family, your watercraft, and your boating equipment.

          We understand you may be concerned about the specifics of your boat and the insurance policy you are carrying. So, while we are based in Puyallup we are happy to share that we also serve clients all across Washington state in cities like Ferndale, Monroe, Tacoma and yes even Spokane! Get your online quote from one of our independent boat insurance agents today!

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