Boat & Watercraft Insurance

Protect Your Boat & Enjoy the Water with Confidence

Comprehensive Coverage for Boats, Yachts & Personal Watercraft

Owning a boat or personal watercraft (PWC) brings freedom and adventure—but also risks. Accidents, theft, storms, and liability claims can lead to unexpected costs that aren’t covered by standard homeowners insurance.


At A.G. Beck Insurance, we offer specialized boat insurance policies designed to protect your vessel, passengers, and financial well-being on and off the water. Whether you have a fishing boat, speedboat, yacht, or jet ski, we’ll find the best coverage at the most affordable rates.



Serving boat owners in Silverdale, WA, and across Washington.

Get in touch.

What Does Boat & Watercraft Insurance Cover?

Boat insurance protects your vessel from accidents, weather damage, liability claims, and theft—both on the water and in storage.

Physical Damage & Collision Coverage

  • Covers repair or replacement if your boat is damaged in an accident or collision.
  • Includes coverage for sinking, storms, vandalism, and fire.

Liability Insurance (Essential for Boaters in Washington)

  • Protects you from lawsuits, medical expenses, and property damage claims if you cause an accident.
  • Covers injuries to passengers or swimmers due to boating incidents.

Uninsured/Underinsured Boater Coverage

  • Pays for injuries and damages if an uninsured or underinsured boater hits your vessel.
  • Helps cover medical expenses, lost wages, and repair costs.

Towing & Emergency Assistance

  • Covers towing, fuel delivery, and breakdown assistance while on the water.
  • Ensures you get help if your boat becomes disabled.

Personal Belongings & Fishing Equipment Coverage

  • Protects rods, reels, tackle, electronics, and water sports equipment from damage or theft.
  • Includes coverage for GPS systems, radios, and boating accessories.

Boat Storage & Dockside Coverage

  • Covers damage while your boat is in storage, docked, or at a marina.
  • Protection from weather-related damages, vandalism, and theft.

Not sure what coverage your boat needs? Our agents can customize a policy that fits your boating lifestyle.

Who Needs Boat & Watercraft Insurance?

If you own a boat, jet ski, or watercraft, insurance is highly recommended—and in some cases, required.

Boat Insurance is Essential for:

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Fishing Boats & Bass Boats

Coverage for damage, liability, and stolen gear.

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Pontoon Boats & Deck Boats

Protection for passengers, equipment, and property damage.

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Yachts & Sailboats

Comprehensive protection for luxury vessels.

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Speedboats & Performance Boats

Specialized coverage for high-performance watercraft.

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Jet Skis & Personal Watercraft (PWC) 

Affordable liability and collision protection.

Taking your boat out soon? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Boat Coverage?

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Custom Coverage for Every Vessel

We tailor policies for boats, yachts, and jet skis to fit your needs.

Independent & Unbiased

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We compare multiple insurers to secure the best protection at the lowest price.

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Year-Round Coverage Options

Seasonal boaters can choose flexible policies for off-season storage.

Fast Claims Assistance

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If something happens, we help ensure a quick and fair claims process.

Want to protect your boat? Call (360) 692-5998 today!

Boat Insurance Discounts & Cost Savings

Looking for affordable boat insurance? You may qualify for these money-saving options:

  • Multi-Policy Discount – Save when you bundle boat insurance with home or auto insurance.
  • Boater Safety Course Discount – Lower rates for boaters who complete approved safety training.
  • Storage Discount – Save on premiums if you store your boat in a secure facility.
  • Experienced Boater Discount – Reduced rates for boaters with a clean record.

We’ll help identify every available discount to lower your boat insurance costs!

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Frequently Asked Questions (FAQ) About Boat & Watercraft Insurance

  • Is boat insurance required in Washington?

    Boat insurance is not legally required in Washington, but many marinas, lenders, and boat financing companies require coverage.

  • Can my homeowners insurance cover my boat?

    Homeowners insurance may provide limited coverage, but it usually excludes liability, collision, and damage while on the water.

  • How much does boat insurance cost?

    Costs vary based on boat type, age, size, and coverage options. Many policies start at $200–$600 per year.

  • Does boat insurance cover towing and breakdowns?

    Yes—many policies include on-water towing and emergency assistance to help stranded boaters.

  • Can I insure my boat for fishing tournaments and racing?

    Yes! We offer specialized coverage for fishing tournaments, professional events, and boat races.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Boat Insurance Quote Today!

Stay Safe on the Water with the Right Coverage

At A.G. Beck Insurance, we help boaters, jet ski owners, and yacht enthusiasts secure affordable, high-quality insurance coverage for their watercraft.

  • Compare boat insurance quotes from top providers.
  • Customizable coverage tailored to your boating lifestyle.
  • Expert guidance from local, trusted agents.
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Call us at  (360) 692-5998 to speak with an boat insurance expert.

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Request a free, no-obligation watercraft insurance quote online.

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Get a Free Boat Insurance Quote →

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Set sail with peace of mind—get covered today!