Boat
Boat insurance for Puget Sound and Washington lakes
A homeowners policy typically provides little or no coverage for a boat beyond very small craft, and usually no liability on the water. Boat insurance covers the hull and motor, your liability to others, and often the trailer, towing and personal effects aboard.
What boat insurance covers
Short answer: Physical damage to the boat and motor, liability for injuries and property damage you cause, and commonly the trailer, emergency towing and personal effects.
- Hull and motor: collision, sinking, theft, fire, storm
- Liability: injuries to passengers or others, damage to docks and other boats
- Trailer coverage while hauling and stored
- On-water towing and assistance
- Uninsured boater coverage
Puget Sound specifics
Short answer: Cold water, strong currents and long off-season storage are the local factors to plan around.
Ask how your policy handles winter storage, moorage at a marina versus a trailer at home, and navigation limits if you cruise toward the San Juans or into Canadian waters. A boat also adds liability exposure — another reason to consider an umbrella policy.
Keep exploring
- Umbrella insuranceUmbrella insurance adds $1 million or more of liability protection above your home and auto policies. What a personal umbrella policy covers, who needs one, and how much to buy.
- Motorcycle insuranceMotorcycle insurance for Washington riders: liability, underinsured motorist, gear and custom parts, and riding season. Quote it alongside your home and auto.
- Home insuranceWhat Washington homeowners insurance covers — dwelling, belongings, liability, living costs — and what it doesn't. Get a home insurance quote from a Federal Way agent.
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