Cover the days on the water.
Hull, liability, and on-water medical coverage for runabouts, cruisers, sailboats, and personal watercraft — including the salvage and fuel-spill liability that can dwarf the cost of the boat itself.
Starts around $30/month · shopped across multiple A-rated carriers
The protection that matters.
Hull & machinery
Physical damage to your boat, motor, and trailer from collision, storm, fire, or theft.
Watercraft liability
Bodily injury and property damage you’re liable for on the water.
Salvage & wreck removal
Covers the often-staggering cost of recovering or removing a sunken or grounded vessel.
Fuel-spill liability
Federally mandated cleanup costs after a fuel spill — frequently overlooked, potentially huge.
Straight talk, no jargon.
- Agreed-value coverage pays a set amount for a total loss — no depreciation argument.
- Lay-up periods can lower premium during the months your boat is out of the water.
- An umbrella policy can extend over your watercraft liability for serious added protection.
Boat questions.
Still wondering about something? A real advisor is a phone call away.
Is my boat covered on my homeowners policy?
What’s agreed value vs. actual cash value?
Does it cover the trailer?
Let’s get you covered.
Start your boat quote in a few minutes, or talk it through with a licensed Northwest advisor. No obligation, ever.