Most homeowners policies provide very limited coverage for boats, often only protecting against specific risks while the boat is on your property. A specialized marine policy is essential for comprehensive protection while your vessel is in the water, covering unique risks like sinking, wreck removal, and on-water liability.

These include protection against specific marine hazards like grounding, sinking, salvage operations, wreck removal, and damage from submerged objects—all critical concerns for Puget Sound and lake boaters that standard policies typically exclude or severely limit.

We consider multiple factors including your boat’s value, type, horsepower, how and where you use it (lakes vs. sound), storage method, and navigational area to create customized protection that matches your specific usage patterns and risks.

This crucial coverage protects you if you’re found responsible for damage to others’ property or if someone is injured due to your boat operations, covering legal expenses, medical bills, and settlement costs that could otherwise jeopardize your personal assets.