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Alpine Ridge Insurance

101 D St NE
Auburn, WA 98002

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Washington Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in Washington

Whether you are cruising on Lake Washington or sailing the seas elsewhere, a boat insurance policy from us here at Alpine Ridge Insurance can help to make sure that your time spent on the water is worry-free and relaxing. We will walk through the different options for coverage to help protect your investment. We are located in Auburn, WA.

Boat/Watercraft Insurance Requirements

Boat insurance is not required in the state of Washington, though if you have a loan your lender may require it. However, that relaxing day spent on the water can transition into a nightmare in the blink of an eye. This is why insurance is highly recommended. If you are involved in a boating accident or a passenger is injured, you may be held personally liable without insurance protection. Additionally, marinas may require proof of insurance for moorage.

Boat & Watercraft Coverage

Depending on the type of boat insurance you require, we offer the following options:

  • Property damage- This protects your boat and your marine equipment, such as furnishings, fittings, and other equipment that is permanently attached to the boat.
  • Personal effects- If something happens to your personal items such as your cell phone, clothing, or camera, this coverage may pay for a replacement.
  • Liability- This coverage protects you if you are responsible for an accident with another boater or swimmer. Just as with an auto policy, Underinsured coverages are available.
  • Medical expenses- This coverage will pay for your medical costs, as well as the medical fees of your passengers if there are injuries resulting from an accident.
  • Emergency assistance- This covers you if your boat needs gas or a tow.

Other options to consider are:

  • Mechanical breakdown
  • Fuel spill liability – the Oil Pollution Act of 1990 is a consideration as to the amount of coverage liability you should have

Quotes

If you need to obtain a quote for your boat or other watercraft, head to our Alpine Ridge Insurance office today. You can also give us a call. We are located in Auburn, WA.

Request a Quote

Partner Carriers

  • Aegis
  • Allstate
  • American Modern
  • American Reliable
  • Bristol West
  • BTIS
  • CNA (for surety/bonds)
  • Dairyland
  • Encompass
  • Foremost (Choice/Specialty)
  • Foremost Signature/ARS/Agent 360
  • GeoVera
  • Hagerty
  • Liberty Mutual (Commercial)
  • Mapfre
  • Markel
  • National General
  • Old Republic (for surety/bonds)
  • Pacific International Underwriters (PIU)
  • Progressive
  • Red Shield
  • Risk Placement Services (RPS)
  • RLI (for surety/bonds)
  • RT Specialty
  • Safeco
  • Selective Flood
  • The Hartford (Personal Lines)
  • The Hartford Flood
  • Travelers
  • USLI