Boat/Watercraft Insurance in Washington
From Seattle to smaller coastal towns, there are thousands of boat owners in the state of Washington. Regardless of where exactly in the state you live, you will always have access to many lakes and rivers. In addition, the residents of the Evergreen State can also enjoy boating in the Pacific Ocean. However, if you are a boat owner, you should understand the importance of boat/watercraft insurance and consider the benefits of having the proper coverage. Just like your home or auto insurance, it will provide a high level of protection in the event of an accident, damage, or theft. Securum LLC has serving boat owners in Lynnwood, WA has prepared the list of things you should know about boat insurance:
- There are some coverages that cover only up to 75 miles from the U.S. coastline. However, there are additional options offered by insurance companies. You can always contact an insurance company and ask an agent about them.
- A standard boat insurance policy usually covers the following: property damage (your boat/watercraft and marine equipment, including machinery, the hull, furnishings, permanently attached equipment), theft, fire, personal effects coverage (personal items you take with you on a boat), liability (if your boat hits another boat, a dock, or a person), medical expenses for injuries that you received in a boat accident, injuries to your passengers, mechanical breakdown, emergency assistance, and some others.
- A standard homeowners' insurance offers some coverage for your boat or watercraft, but this coverage is very limited. Usually, it will cover smaller boats, like a boat with less than 25 horsepower, sailboat, or canoe.
If you are a lucky boat/watercraft owner from the state of Washington and you are looking for insurance to protect your precious possession, Securum LLC serving Lynnwood, WA and other surrounding areas will be glad to assist you and find a policy that you need. Do not hesitate to visit our website or give us a call to talk to one of our agents.