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Protection You Deserve

Do you need affordable boat insurance in Washington? At Boyd Insurance Brokerage, we can help you find the right insurance for your boat, whether you have a small fishing boat or something larger, like a speedboat, sailboat, or cabin cruiser. We can even insure jet skis, hovercraft, and houseboats.

Who Needs Boat Insurance

Washington does not require boaters to have insurance. However, you should have boat insurance in order to protect your investment. At Boyd Insurance, we offer boat insurance for all types of watercraft so that you can rest easy knowing that if your boat gets damaged due to a covered event, your boat insurance is there to help you get it replaced or repaired.

Standard Boat Insurance Coverages

Boating insurance policies typically come with liability, property damage, wreckage removal, fuel spill cleanup, and watersport coverages.

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Steve R.
It is always great working with Boyd Insurance!... Very friendly and helpful! Great prices and easy process.read more
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After a venture through a menagerie of phone... calls, emails, and websites, I felt lost in the corporatized world of automobile insurance companies—until I called the downtown Boyd office.The attention to care from Tristan was above and beyond, anyone who can stand my sense of humor is alright by me. I felt less like a vin number and payment ledger, and more like a friend when I called. It's not about what you're treated to, but how you're treated in life, and today was a pleasantry well reflecting this.Thank you, Boyd Ins. Brokerage again, and thank you Tristan, you are much appreciated!read more
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Dianah E.
Bill always does a great job for me and my... family. He always makes sure we are paying what we should and that we are covered 100%. Thank you Bill and team!read more
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Richard C.
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Travis F.
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Kimberlyn T.
I've been a customer of Boyd for two years,... Sophia has provided me with knowledge and exceptional service!read more
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AnneMarie D.
Tristan is an amazing insurance agent and is a... great asset to Boyd Insurance Brokerage Inc. He knows how to break down the "insurance talk" so I understand exactly what I'm paying for. Tristan gets me the best coverage for the best price and truly cares about me as a customer. I could not ask for a better agent, or a better brokerage!read more
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Dave T.
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Nicholas P.
When USAA screwed me over...with zero notice,... while I was deployed overseas...I reached out to Mr. Boyd and he was more than happy to help. Got me a better price than I could I hoped for, gave me great advice, and earned a lifelong customer.read more
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Robert G.
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Joelle C.
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Spencer L.
The rep Tristan that I worked with was freaking... awesome! He laid out many options for me and was very detailed in his explanations of what each plan would get me. He did not try to up-sell me, he was very honest about what he thought I might need and what I would not need in order to get me the most bang for my buck. He made my transition from PEMCO very easy and painless.read more
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Quick and easy unlike other local companies.
Lindy C.
Lindy C.
Been with this company for 20 years.
Mark R.
Mark R.
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John B.
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Moving states can be a hassle. Not knowing where... to go and who to talk to when switching your whole life is scary. I was recommended to Boyd Insurance Brokerage and I have never been happier. Everyone at Boyd Insurance Brokerage is awesome. They're super helpful and courteous. They helped me insure all my vehicles and my valuables in my apartment. I would highly recommend Boyd Insurance Brokerage to anyone.read more
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Liability

The liability coverage for boats is sometimes referred to as bodily injury liability. It helps pay for the medical expenses of visitors, guests, or other boaters that may have been injured during the boating accident.

Property Damage

The property damage portion of your boating insurance policy helps pay for damage to other boats, docks, and marinas. It’s important to note that this works similarly to the liability coverage on your car insurance policy in that it does not pay for damage to your boat.

Wreckage Removal

This portion of your boating insurance policy pays for your boat to be removed from the water if it sinks.

Fuel Spill Cleanup

If your boat leaks any fluids, like oil, gas, or diesel, this coverage helps pay for the cleanup of the spilled liquids.

Watersport Insurance Coverage

If you participate in watersports, like skiing and tubing, from your boat, this coverage helps pay for any injuries that may occur during those activities.

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Optional Boat Insurance Coverage

It’s important to understand that the standard boat insurance coverages are minimally recommended coverages for anyone who owns a boat in Washington State. If you wish to repair or replace your boat, you may need additional coverages.

Comprehensive

Comprehensive boat coverage helps pay for repairs to your boat if it’s damaged through no fault of your own. Typical events that are covered under comprehensive include fire, theft, and vandalism. This type of coverage is usually needed if your boat is damaged while it’s being stored.

Collision

Collision boating insurance helps pays for the repairs for your boat if you come in contact with another boat, docks, marina, buoy, or object in the water.

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Bundle and Save

By combining policies to save time and money.

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Fast Friendly Service

Contact us for phone or email support.

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Protection You Can Trust

We work closely with only top rate carriers.

Equipment Coverage

If you bring equipment and personal belongings onto your boat, this coverage helps replace them if they are lost at sea. This can include fishing gear, life jackets, diving equipment, electronics like portable GPSs, VHF radios, satellite phones, and items for entertainment.

Towing

If your boat gets stuck on the water, towing coverage can help pay the costs associated with towing your boat to shore, providing jumpstarts, and giving you more fuel.

Umbrella Insurance

If you have a particularly expensive boat or you boat around particularly expensive boats, you may want to consider getting an umbrella insurance policy. This helps pay for damages that are above the policy limits for your standard boating insurance policies. For example, let’s say that your liability insurance has a $500,000 limit, and the damages caused in the boating accident were $750,000. Your umbrella boating insurance policy would help pay for the $250,000 overage.

Local & Family Owned

We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.

• Integrity • Excellent Service • Quality

How to get Affordable Boat Insurance in Washington

The cost of your boat insurance policy will depend on the age of the owner of the boat, the make, model, and year of the boat, and your boating experience and education as well as your previous boating claims history.

  • Age – In general, boat owners who are older receive lower boat insurance premiums.
  • Boat – If your boat is older or expensive, your premiums may be higher than for someone who owns a newer, less expensive boat.
  • Boating Experience – If you have lots of experience and education in regard to boating, your insurance premiums may reflect that.
  • Boating Claims History – If you’ve had a lot of boating insurance claims, your premiums may be higher.

It’s also important to ask about any discounts. If you have more than one policy from the same insurance carrier, you may be eligible for a multi-line discount.

A few questions away from saving up to 40% on your insurance.

Boat Insurance from Boyd Insurance Brokerage in Washington

While boating insurance in Washington is not required in order to operate a boat in the lakes, rivers, and waterways, it’s still a good idea. Boating insurance helps financially protect you if you have an accident while operating your boat or if your boat gets damaged while it’s being transported or stored. Our agents at Boyd Insurance Brokerage can help you find the right boating policy with the right policy limits for your needs.

To learn more about boat insurance and to get a quote, call us today at (509) 340-2693.

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