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Alpine Ridge Insurance

336 4th St NE
Auburn, WA 98002

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Washington Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in Washington

Whether you are cruising on Lake Washington or sailing the seas elsewhere, a boat insurance policy from us here at Alpine Ridge Insurance can help to make sure that your time spent on the water is worry-free and relaxing. We will walk through the different options for coverage to help protect your investment. We are located in Auburn, WA.

Boat/Watercraft Insurance Requirements

Boat insurance is not required in the state of Washington, though if you have a loan your lender may require it. However, that relaxing day spent on the water can transition into a nightmare in the blink of an eye. This is why insurance is highly recommended. If you are involved in a boating accident or a passenger is injured, you may be held personally liable without insurance protection. Additionally, marinas may require proof of insurance for moorage.

Boat & Watercraft Coverage

Depending on the type of boat insurance you require, we offer the following options:

  • Property damage- This protects your boat and your marine equipment, such as furnishings, fittings, and other equipment that is permanently attached to the boat.
  • Personal effects- If something happens to your personal items such as your cell phone, clothing, or camera, this coverage may pay for a replacement.
  • Liability- This coverage protects you if you are responsible for an accident with another boater or swimmer. Just as with an auto policy, Underinsured coverages are available.
  • Medical expenses- This coverage will pay for your medical costs, as well as the medical fees of your passengers if there are injuries resulting from an accident.
  • Emergency assistance- This covers you if your boat needs gas or a tow.

Other options to consider are:

  • Mechanical breakdown
  • Fuel spill liability – the Oil Pollution Act of 1990 is a consideration as to the amount of coverage liability you should have


If you need to obtain a quote for your boat or other watercraft, head to our Alpine Ridge Insurance office today. You can also give us a call. We are located in Auburn, WA.

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States We Serve

  • Washington
  • Oregon
  • Idaho
  • Colorado
  • Arizona
  • Texas
  • Montana
  • Oklahoma


Partner Carriers

  • American Modern
  • American Reliable
  • Bristol West
  • Encompass
  • Foremost
  • GeoVera
  • Hagerty
  • Mapfre
  • National General
  • Progressive
  • Safeco
  • Selective Flood