Washington has a number of great watersport opportunities, including 453 sites operated by the Department of Fish and Wildlife. From ocean access to lakes and rivers, Washington is one of the most water-friendly states in the nation.
With such a large percentage of residents and visitors using Washington's waters, it's no surprise that boating accidents happen. Boating accidents can get serious quickly, since many of Washington's coastal areas have dangerously cold water. It's essential to be prepared for a boating accident, and one very important way to be protected is to have boat insurance covering you and your vessel in Washington.
Since the state of Washington has a huge population of boaters, they also have strict laws and list of required equipment. Before hitting the water, check the laws and required equipment in your area. A boat insurance policy acts much like a fire extinguisher. It may seem like it's unnecessary, however, when an accident or disaster occurs, it may prove to be invaluable.
Boat insurance is a group of policies put together in order to offer you coverage and protection from some of the most common occurrences that can hamper a good time on the water. A typical boat insurance policy in WA may resemble the following coverages and protections:
Boat insurance can cover the vast majority of vessels. Below is a list of some of the most common boat types that boat insurance can cover:
This list is not exhaustive, but gives you general parameters on which boats can be covered. If you have a boat not included in this list, you most likely can get coverage. Be sure to talk to an agent about your boat in order to find out which coverages are available.
On average, boat insurance can cost anywhere from $300-500 per year. However, there are many factors that contribute to the final cost. When you are shopping for boat insurance quotes in WA, make sure to be prepared to answer the following:
All of these factors, plus many more, will be used to get you the best coverages possible at the best price available.
There are many discounts available on boat insurance policies, but the amount you can save depends on your individual situation. Below is a list of the most common discounts available:
Each insurance company offers its customers different discounts, so be sure to ask about any discounts you may not be aware of.
Having insurance on your boat is an important part of being a responsible boat owner. When shopping online for quotes, having a professional by your side to help you get the best coverage can offer your peace of mind, and simplify the process. A Trusted Choice® agent is always available to help you find coverages, suggest discounts, or even help you file a claim.