Monday, July 8, 2024

Is Boat Insurance Required In Washington State

Comparing Boat Insurance Providers

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Owning a boat is a major expense and you should choose your boat insurance provider with care. Remember to research the company and check out its ratings and reviews. Some other things to keep in mind when comparing providers include:

  • Coverage options: What type of coverage is offered? Make sure you understand the different plans and if things like running aground or hitting the dock are covered.
  • Pricing: Know how much youre paying for coverage and what that includes. Also, keep due dates in mind and if a downpayment is required.
  • Discounts: What discounts does the provider offer? Some things to ask about are bundling discounts, safe boater discounts, age-based discounts, and discounts for experienced boatmen
  • Specializations: Know if the provider specializes in marine coverage and make sure the agents are knowledgeable because it is much different than auto insurance. Some companies specialize in recreational boating and others specialize in commercial boating and yachts.
  • Coverage Exclusions: Research ahead of time what is not covered so you know before you choose a policy. Some providers wont insure boats that go above a certain amount of knots and others wont insure boats with aftermarket parts.

Liability Protection And More

Along with coverage options related to property damage and theft, SkiSafe also offers these types of protection:

  • Towing and Roadside Assistance: Unfortunately, auto insurance wont protect your boat while youre towing it with your car, truck or SUV. SkiSafe provides coverage for your boat whether youre towing it on the water or on the road.
  • Bodily Injury and Property Damage Liability: We can protect you against liability for bodily injury and property damage related to your boat ownership. SkiSafe also pays your legal defense expenses in the event such a need arises, and those expenses will not reduce the liability available under your policy.
  • Medical Payments: Boater safety is ultra important for SkiSafe, so our policies cover no-fault medical payments for injuries up to $25,000.

How Much Does Boat Insurance Cost

According to, the cost of boat insurance generally ranges from $300 to $500 per year, on average. Depending on the type of boat and your personal profile, your insurance costs may be significantly higher. âThe type of boat, its length, and the expected use of the boat will largely dictate your boat insurance rates. Whether you have a speed boat, a small fishing boat, or a yacht will make a big difference in what you pay.â Another insurance comparison resource tells us that a good approximation for your annual premiums is 1.5% the current market value of your boat.

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Track Day Insurance Quote Ideas

Bob klinger president and ceo of klinger insurance group. A form of property insurance that provides coverage for a policy holders belonging, liability, and loss of use within a.

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Seguro de auto en houston coberturas de seguro de. Cities with rent control, such as new york and san francisco, may also put a dollar limit on the amount that landlords can.

Boat Insurance Requirements By State


Generally speaking, you won’t be required by your state to purchase boat insurance. In fact, only a handful of states require boaters to purchase insurance, and the requirement is often limited to boats with engines rated to have at least 50 horsepower. The table below lists the insurance requirements for each state.

Arkansas Liability insurance with at least $50,000 in coverage is required for all boats powered by engines of more than 50 horsepower.
Hawaii Only for boats parked in Department of Land and Natural Resources Division of Boating and Ocean Recreation facilities. Liability insurance with at least $500,000 in coverage is required for all boats parked in DOBOR facilities, including harbors and offshore moorings. The insurance policy must name the State of Hawaii, DOBOR as the “additional insured” or “additional interest”. The policy should cover salvage costs for grounded or sunken vessels, damage to docks, pollution containment and wreck removals.

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Dont Transport Nuisance Species

Washington State law prohibits transport of any water-based, non-native plants and creatures on any boat, trailer, fishing gear, or bait well. If found, law enforcement may stop you and require you to clean your vessel or gear.

To learn more about these aquatic invasive species, how to spot them, and what to do if you find them, visit the Washington Department of Fish and Wildlifes Web site.

What You Can Do

  • Remove all visible aquatic plants and animals from your boat, motor, trailer, and other equipment before leaving the access area.
  • Always drain live wells and transom wells before leaving the water.
  • Report sightings online at the Washington Invasive Species Council Web site.

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Is Boat Insurance Required In Washington State

Although there is no law requiring Washington boat owners carry insurance, if you moor your boat at a marina you may be required to show them proof of insurance.

Because of the proximity to other boats and the potential for a loss on your boat to affect to other boats or the dock, most marinas require proof of at least $500,0000 liability protection before theyll rent you moorage space.

Check with your marina for more information, and contact the McClain Insurance team for hassle-free boat insurance.

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Safety Equipment Required On All Boats

All boats of any size, including stand-up paddleboards, canoes, and kayaks, are required under state and federal law to have the following safety equipment onboard, as stated by Washington State Parks:

  • Life jackets: There must be a life jacket approved by the U.S. Coast Guard, of the right type and size, for every person aboard a vessel.
  • Sounding device: The boat must have a whistle, bell, or horn.
  • White navigation light: This light is used in times of low visibility at dawn or dusk, or in fog or heavy rain.
  • Flares or other nighttime visual distress signals: This is a requirement only on federal waterways.

Having this equipment aboard a boat minimizes the risk of a passenger suffering a serious injury, including drowning. However, these are not the only rules that boat owners must abide by.

Boat Insurance And Personal Watercraft Insurance Washington State

Do I Need Boat Insurance or is My Boat Covered on Home Insurance?

Float easy knowing that Cross Insurance Agency wrote you a specialized boat insurance policy that was just right for your boat or personal watercraft. Just like automobile insurance, we make boat insurance easy and affordable. Ask about discounts for bundling your policies! With locations in Olympia, WA and Centralia, WA, we can easily get you the boat insurance coverage you need.

Boat Insurance Options

Being an independent agent means we represent many carriers for your boat insurance policy! Coverage options abound and you can get specialized coverage, such as Roadside Assistance, On-Water Towing, Total Loss Replacement and more.

Ask for a Boat Insurance Quote Today!

A Cross Insurance agent will assess your coverage needs and wade through the many options available, presenting you with the best coverages for your needs and budget.

Boat insurance covers a wide range of boats from personal watercraft to sailboats, fishing vessels to personal watercraft. Ask your Cross Insurance Agent agent about a quote!

Looking for Motorcycle Insurance? We sell that too!

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Who Offers The Best Boat Insurance Rates

Many insurance companies offer competitive boat insurance rates. Shop around to make sure you are getting the information you need to make an informed decision. Sites like and provide reviews for many different insurance companies and are great places to begin your research. Speak with other boaters find out what features are important to them and why. Do your homework by researching different companiesâ offerings and you will be prepared to make the best decision for your needs.

Is Renters Insurance Required In Washington State

How do i get renters insurance in washington?However, landlords can direct you to have coverage before moving into your apartment or rental.However, landlords can retire it as a condition of renting out a house or apartment.However, some landlords may require proof of renters insurance as part of the lease agreement.

However, some landlords may require proof of renters insurance as part of the lease agreement.If done correctly, requiring your tenant to have their own renters insurance policy is legal.If this is the case, you will need to buy a renters insurance policy.If you have been asking yourself whether or not renters insurance is required in washington, then the answer is that renters insurance is not made mandatory by state law.

In this case, landlord insurance is definitely what youd need.In this case, you should at least look into landlord insurance, since you dont live in the same area as your tenant.In washington, renters insurance isnt required by law Is renters insurance legally required in seattle?

Is renters insurance required in washington?Is renters insurance required in washington?It also provides coverage for a given amount of liability, and lists the landlord or their agent as additional interest or insured so that theyll.It covers your personal belongings in case of a fire, theft, or other disasters.

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Boat Registration Numbers And Stickers

A boat registration number is its license plate and is comprised of letters and numbers that must be displayed on the hull, near the bow, on the front third of the boat on both sides. The letters and numbers must be read from left to right and may have a minimum size . The numbers can also be painted on. A registration sticker or decal proves that your boat registration is valid for that year. The length of validity varies by state but can be from one to three years.

Reckless Boat Operation Regulations

Buying Insurance for Your Boat or Yacht

In the state of Washington, it is illegal to operate a boat in a reckless or negligent manner that may endanger the life, safety or property of another person.

Reckless boat operation is defined as acting carelessly and heedlessly in willful and wanton disregard of the rights, safety, or property of another.

Examples include:

  • Breaking the navigation rules.
  • Creating a dangerous wake.
  • Riding on the gunwale, bow or transom of a boat not equipped with adequate railings to prevent falls overboard.
  • Not maintaining a proper lookout.
  • Body surfing on the wake behind a motorized boat.
  • Teak surfing and platform dragging .

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Boating Laws & License Requirements By State

Passing a boating safety course will give you a discount on boat insurance and will increase your water safety skills. Boat safety courses are an excellent investment of time and money, regardless of your state’s boating law. Each state has unique boating education requirements, and the boating rules, laws and regulations vary from state to state for obtaining a boat license or safety certification. Be sure to review the full legal requirements for your particular state.

Washington State Parks and Recreation Commission

State law requires all Washington residents born after January 1, 1955 who operate powered watercraft 15 horsepower or greater, to carry a Washington Boater Education Card.

You must be at least 14 years old to operate a personal watercraft. Remember, it is illegal to lease, hire, or rent a personal watercraft to anyone under 16 years old.

Optional Coverages In Washington

There are additional coverages you may also choose to include on your auto policy. These can include collision, comprehensive, rental reimbursement, emergency roadside assistance, and others. Learn more about car insurance coverages to determine what is right for your situation.

Unfortunately, there are drivers on the road who don’t carry enough coverage, or are driving without insurance. That’s why GEICO offers underinsured motorist coverage to help pay for your injuries/expenses if you’re ever in an accident with an uninsured driver or a driver who is unable to cover your costs.

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How Do I Purchase Boat Insurance

To get started on your boat insurance quote today, simply 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!

  • Who referred you to us?*
  • Current Insurance Provider*
  • How Do I Get A Replacement Card

    Boating Insurance Explained by Martin Baum of Pantaenius Sail and Power Insurance

    You may apply for a replacement card if you were previously issued an official Washington State Boater Education Card, and your legal name has been changed, you need to correct personal information, or your card was lost, stolen or destroyed. The fee for a replacement card is $5.

    To receive a replacement card:

    • Submit your completed affidavit, along with a check or money order for $5 via postal mail to:

    Washington State Parks and Recreation CommissionBoating ProgramsP.O. Box 34333Seattle, WA 98124-1333

    Please allow four weeks to process an affidavit and receive your replacement card. There is no temporary card available while you wait to receive your replacement. There is no online or electronic process available for replacement cards.

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    Do You Need Boat Insurance For Renting

    The simple answer is that in some states, you are required to have boat rental insurance while in others, it is a bit more relaxed. There is no way to sugarcoat it, insurance is a boring topic and can get complicated but it doesn’t have to be. It is strongly recommended that you have boat insurance to stay protected.

    Where Do I Register My Boat

    A good place to start is right here on Discover Boatingjust visit our Boat Registration page, which allows you to start the registration process online. In most states, you can also register a boat with the Department of Motor Vehicles. In some cases it may be with the Department of Fish and Game, the Department of Licensing, or the Department of Natural Resources . A boat can be officially registered in only one state.

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    Do You Need Boat Insurance

    In order to determine if you need boat insurance, you need to assess your needs and keep the costs in mind. Typical boat insurance policies can cost 1-2% of the boats value over the course of a year. These payments are typically split up into monthly payments.

    If your livelihood depends on your boat, such as a boat charter business, youre a fisherman, or offer boat tours then you should definitely get boat insurance. Its also recommended for recreational boat users because boat repairs add up and you dont want the headache and out-of-pocket costs, not to mention liability, if youre in an accident or your boat is damaged in a storm.

    Registration Numbers And Stickers Must Be Displayed As Follows:

    Boat Insurance Quote
    • The registration number must be painted or affixed to the forward half of each side of the boat and must be clearly visible.
    • The registration number must be read from left to right.
    • The registration number must be at least 3 inches high and be in bold, vertical, block letters.
    • The color of the registration number must contrast with the background color of the boat.
    • The letters and numbers in the registration number must be separated by a hyphen or by an equivalent space.
    • Registration decals must be affixed on each side of the bow, towards the stern of the boat, in line with the registration number.
    • These requirements are also applicable to personal watercraft .

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    Best For Individualized Customer Service: United Marine Underwriters

    United Marine Underwriters

    • No. of Policy Types: 4
    • Coverage Limit: $1 million

    The provider offers personal attention to its customers, doesnt make them feel like a number, and each customer gets assigned a primary customer service agent.

    • Discounts for boat safety courses

    • Knowledgeable agents

    • Cant buy other types of insurance from them

    • Contact for pricing and policy details

    As it emphasizes on its website, United Marine Underwriters is a specialty insurance company that writes insurance for just boats. It has been in business since 1990 and provides boat insurance in all U.S. states except New Mexico. Boat insurance navigation is also available to Canada, the Bahamas, and Mexico. Liability limits are available up to $1,000,000, with discounts available for completing one of several boating safety courses approved by the Coast Guard Auxiliary and Power Squadron and the National Association of State Boating Law Administrators, among others, according to its website.

    One of the more unique things about United Marine Underwriters is its policy service. When you purchase a boat insurance policy through United Marine Underwriters, you are assigned a primary service person who takes care of all of your servicing needs. This company really cares about its customer service.

    Best For Emergency Services Coverage: State Farm

    State Farm

    • No. of Policy Types: 1
    • Coverage Limit: Varies

    State Farm is a well-known insurance provider that offers additional coverages including emergency services reimbursement.

    • Coverage for houseboats and jet-skis

    • No online quotes for boat insurance

    • Website needs more detailed information

    • Need to contact agent for policy details

    In business since 1922, State Farm is one of the best-known names in insurance in the United States. They offer boat liability and property damage insurance for common risks like storms, collision, theft, and more, with add-on coverage options available . Their property damage coverage extends protection not only to equipment permanently attached to your boat but also to accessories such as detachable canopies, life preservers, and seat cushions. State Farm has resources available for boat owners including articles on boat trailer safety tips, boat safety, and water safety. Boat insurance is available for a multitude of watercraft: runabout/sport boats, cruisers/yachts, sailboats, bass boats, jet skis, houseboats, and kayak/canoes.

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