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Everett  (425) 745-3366
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Everett
9101 Evergreen Way
Everett, WA 98208
Lynnwood
2027 196th St SW, #R-6
Lynnwood, WA 98036

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Insuring Boats and Personal Water Craft

Boat liability is pretty clear when it comes to colliding with other boats, people or property. However, boats add a unique liability for related damage, salvage and cleanup if they sink. It is advisable to make sure you have coverage to clean up the mess to the environment should something happen. A boat policy will often specify the limits to liability for removing a sunken boat and cleaning up any fluid spills.

Insurance for a boat is often divided between the hull, motors and trailers. Each of these items can be added to the policy, but are covered by a shared deductible on collision and comprehensive. So consideration should be given to the value of the different items and the types of common loss that could occur to each item when selecting your deductible.

Boat related contents can also be covered under the boat policy (see discussion under motorhomes). This can includes things such as riggings, bumpers, ropes, skis, fishing gear, depth sounders, fish finders, etc. If you have a galley and living quarters, you should explore options for coverage with your agent.

Medical coverage can also be added to a boat policy (see discussion under motorhomes).

Most boat policies cover usage within 100 nautical miles of the US and Canada. If you are travelling outside these area, you should consider a yacht policy. Yacht polices extend the coverage area, as well as provide additional coverage for unique things like piracy, kidnapping, environmental pollution, medical transportation, etc.

Boating safety classes and certifications, as well as safety equipment like automatic bilge pumps and fire suppression systems can help with the cost of boat insurance.

Home and renters policies can provide limited coverage for small boats, such as canoes, row boats, dinghies, etc. However, the coverage is limited, as well as the type of vessel that would be covered. Typically the vessel limitation corresponds to the type of boat, the length of the boat and the horsepower of the propulsion system. For example, a boat with a motor over 25 horse would be excluded from a typical home owner’s policy, whereas a boat with no motor or a motor less than 25 horse would have some coverage available, say up to $1000. A good rule of thumb would be if you can’t carry it yourself, you probably should have insurance on it!
Boat factors that can effect the cost of insurance

• Age of Boat

• Length

• Value

• Speed/Horsepower

• Does it meet US Coast Guard Standards in effect at the time it was built

• Primary resident

• Type (Inboard, Outboard, utility, cruiser, bassboat, saltwater fishing boat, performance boat)

• Homemade (Boats without a serial number are tricky but many kits are okay)

• Houseboats with no motor

• Ownership (more than 2 owners)

• Where it will operate (Ocean, lakes, bays, rivers, Great Lakes)
"I know insurance is important should something happen, but I don't want to have to know what I am purchasing and I definitely don't want to worry about paying for unneeded insurance. That is why I trust Kevin to manage all my insurance. He gives me exactly what I need without stacking on expense that I don't." Paul