How to Insure Different Types of Boats and Watercraft

Ah, the open water—a realm of adventure and relaxation. Boating and watercraft activities are irresistible. But before you embark, protect your investment and loved ones with Northwest Classic Insurance.

Understanding the basics:

• Boat Insurance vs. Homeowners Insurance: Boat insurance is essential for adequate protection.
• Types of Coverage: Options include liability, property, and optional coverages like medical payments.

Insuring different types of boats:

• Motorboats: Coverage includes damage, liability, and optional extras.
• Sailboats: Protection for sails, rigging, and liability.
• Personal Watercraft (PWC): Shielding against collision, theft, and liability.
• Pontoon Boats: Coverage for damage, liability, and optional equipment.
• Fishing Boats: Protection against accidents, theft, and equipment damage.
• Canoes and Kayaks: Ensure protection against theft and damage.

Factors influencing premiums:

• Boat type, usage, location, and experience.

In conclusion, boat insurance is crucial for your safety and peace of mind. Consult with our experts before your next adventure for the right coverage