Boat/Watercraft Insurance in Washington

Nothing can beat the experience of being in the warm sun on the water, with family memories made on the lake. Whether your go-to lake is Flathead in Montana, or Priest Lake in Idaho, make sure you've covered your boat for the unexpected. 

Boat/PWC insurance isn't necessarily mandatory in many states, but that doesn't mean insuring your investment in fun shouldn't be a priority. Boat insurance is designed to cover things such as accidentally hitting a rock, or coming in too hot into the dock. Some policies can even cover mechanical breakdowns, or forgetting to put the plug in and sinking at the dock. 

Many boaters enjoy spending time with family and friends on the water. Whether your tubing, wake-surfing, or simply jumping off the boat,  Injuries can happen. If someone was injured, you could be held responsible. This is what watercraft insurance is meant to cover.

Watercraft insurance is surprisingly affordable, and comes with numerous coverages. Common boat insurance coverages to consider include:

Comprehensive coverage

  • Covers your boat from damages occurring from non-collision perils such as theft, water damage, or fire.

Collision coverage

  • Pays for your boat's repairs and even replacement after collision with other boats or a stationary object such as a rock or the dock.

Pro-tip: With comprehensive and collision coverages, you may have to choose between actual cash value and replacement cost coverage, especially when your watercraft is totaled or stolen. But what's the difference?

With actual cash value, your insurer compensates you for the amount of the boat's value at the time of the incident. On the other hand, the replacement cost is what it would take to repair or replace your boat to the same condition before the accident.


Many watercraft policies also allow you to place your boat in "storage mode" in the fall, so you don't pay for coverage you're not using through the winter such as liability and collision.  


Uninsured Boaters

  • Similar to uninsured motorists coverage for your car, uninsured boaters coverage can cover your family's injuries should you be struck by a boater that does not have insurance. This is particularly important considering boat insurance is not mandatory. 


  • Liability protects you when you are accused of bodily injury or property damage incurred by third parties.

Medical payments coverage

  • When you are involved in a boating accident, you and your passengers can suffer injuries. Thankfully, if you have MedPay coverage, medical expenses are taken care of, lessening the financial burden of the accident.

Emergency assistance

  • Have you ever imagined what would happen if your boat stalls miles away from the shoreline? It can be frustrating, but you access services like towing, battery loan, and gas delivery with emergency assistance coverage.

Mechanical Breakdown*

  • Some carriers such as progressive also offer mechanical breakdown coverage. This valuable protection can cover mechanical breakdowns to your motor, or your outdrive for example. This is available for many boats, but call us to confirm if your boat would be eligible.

To make sure you have the coverage you need before you hit the water, be sure to let Lilac Insurance of Spokane evaluate your boat insurance policy. Call or text us today!


* Not all coverages available for certain boats or states, call to confirm.