Boat Insurance in Lynnwood, Washington
Boats and personal watercraft are significant investments, but if you enjoy spending time on the water, you know they’re worth it.
Protect your investment and your enjoyment with coverage designed specifically for boat enthusiasts—not just a standard policy or an add-on to your Homeowners Insurance.
At Villa Insurance Group, we help make your time on the water stress-free and enjoyable. We offer comprehensive boat insurance policies that safeguard you, your family, friends, watercraft, and boating equipment.
The average boat insurance policy costs less than a dollar a day. You’ll feel even better about hitting the water knowing that your safety, the safety of your passengers, and your investment are all protected.
How to Choose the Right Boat Insurance Coverage
Do you know what to look for in a boat insurance policy? The experts at Villa Insurance Group can help you determine the right amount of coverage to suit your specific needs. Contact us today to get started.
Boat Insurance Coverage Options:
Navigational Area Coverage
Ensure you’re covered wherever you go. Many insurance companies provide coverage up to 75 miles from the U.S. coastline, in Canadian coastal or inland waters, and in the Pacific coastal waters of Mexico. In some states, including Washington, extended coverage can be purchased.
Agreed Value Coverage
Boats depreciate like cars. With Agreed Value Coverage, if your boat is a total loss, you’ll receive the insured value minus the deductible—unlike Actual Cash Value policies, which may not cover the full cost to replace your boat.
Liability Coverage
Similar to car insurance, this covers damages or injuries if you’re at fault for a boating accident. It includes repairs, medical expenses, lost wages, and other costs for affected individuals or property.
Medical Payments Coverage
This covers medical expenses for you, your passengers, and even water skiers or tubers injured in an accident, regardless of who is at fault. Coverage options range from $500 to $10,000.
Physical Damage Coverage
Covers repairs or replacement of your boat, its motor, permanently attached equipment, and the trailer in the event of theft or damage.
Uninsured/Underinsured Watercraft Bodily Injury
If you’re injured by an uninsured or underinsured boater, this coverage helps pay for medical expenses, lost wages, and other related costs.
Fuel Spill Liability and Wreckage Removal
In the event of serious damage or sinking, your boat could release oil or fuel into the water. As the owner, you’re legally required to clean it up, and this coverage can help with the associated expenses.
Personal Effects Coverage
Covers personal items like clothing, phones, sporting gear, and fishing equipment. Coverage limits vary by state, so check with us to see what’s included in Washington.
Unattached Equipment Coverage
Covers items like lifesaving equipment, anchors, oars, fire extinguishers, and water skis that are not permanently attached to the boat.
Emergency Assistance Coverage
Provides towing, labor, and delivery of gas, oil, or a loaned battery if your boat is disabled on the water.
How to get started with your boat insurance quotes
If you live in Lynnwood and are looking for a boat insurance comparison, Villa Insurance Group makes the process of finding the best company and price easy.
We do all the heavy lifting for you!
Choosing an Independent Agent
Are you looking for boat insurance in Lynnwood, WA? We are a local insurance independent agent protecting all aspects of your life, from your business to your autos and home, we have you covered! The benefit of choosing an independent agent like us means options. We have relationships with many top rated carriers to give you the auto insurance coverage you need that fits your budget. Don’t wait, call us today at (425) 771-9000 or visit our Quotes Online and start saving money.