We offer Boat Insurance for your fishing boat, ski boat, and more. Visit us in Lynnwood to learn more.


Boat Insurance

We are an Independent Insurance agency serving your boat insurance needs in Lynnwood, Mill Creek, and Snohomish County since 1984.

We are fortunate to have so many options for boating in our area.  Puget Sound, Lake Washington, Lake Stevens, Snohomish and Skykomish River.

In Washington state you are required to carry a Washington State Boater Education card when operating a motorboat with 15 horsepower or greater. For more information, contact Washington State Parks.

In addition to Boater Education, you want to make sure that you have the right insurance coverage to protect you and your boat.

The right boat insurance policy in Washington will help get you back in the water quickly after your boat is damaged or destroyed by accident, fire, theft, or other covered event. It may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your watercraft.

As a local, independent insurance agency, Robert D. Gregg & Sons, Inc. can help you find the right policy for your boat by comparing quotes and coverage options from companies like Safeco and Progressive Insurance.

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Washington State Boat Insurance Coverage Options

It’s important to understand the benefits and options for purchasing insurance for your boat, or watercraft.  Contact us and we will help you navigate through the complexity.

Here are some items you’ll need to consider when shopping for boat insurance in Washington.

    • Navigational Area –– Know where you’re covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
    • Agreed Value Coverage — Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
    • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
    • Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
    • Physical Damage Coverage –– Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
    • Uninsured/Underinsured Watercraft Bodily Injury — Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you’re hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
    • Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there’s a chance that it could leak oil or fuel into the water. As the boat’s owner you’re required by law to have this cleaned up, which can be time consuming and expensive.
    • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling, and sporting equipment, and fishing equipment. Limits vary by state – check with Robert D. Gregg & Sons, Inc. for information. Personal effects coverage does not include jewelry, watches or furs.
    • Unattached Equipment Coverage — This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but it’s designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, and more.
    • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil, or loaned battery if the watercraft is disabled while on the water.

Every situation is unique – request a free quote or call us at 425-743-3046 today to find out how to get the best price and value on boat insurance for you.

Get a Quote or call for a quote at 425-743-3046