Best Cheapest Boat Insurance Companies in Somerset,Virginia

Boat Insurance and Personal Watercraft Insurance – Washington State

As soon as it starts warming up, it’s time to hit the water. There’s nothing like skimming over the waves and feeling the wind on your face. But when accidents happen, will you and your boat be able to recover? That’s where boat insurance comes in!

Many boaters choose not to get insurance, thinking that they’ll be covered under home or auto insurance. But home insurance doesn’t cover much if your boat is damaged.

Get a separate insurance policy to make sure you can keep riding the waves all summer long without fear.

Get the best boat insurance from Cross Insurance Agency

Float easy knowing that Cross Insurance Agency has a specialized boat insurance policy that’s just right for your boat or personal watercraft. Just like automobile insurance, we make boat insurance easy and affordable. Ask about discounts for bundling your policies!

Being an independent agency means we represent many carriers, giving you multiple coverage options. You can also get specialized coverage, such as Roadside Assistance, On-Water Towing, Total Loss Replacement, and more. If you want to know more, check out our blog post on additional boat insurance coverage.

A Cross Insurance agent can assess your coverage needs and wade through the many options available, presenting you with the best coverages for your needs and budget. But first, it’s important to know what’s covered in your boat insurance policy.

Many companies 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. Some companies offer additional options for further navigation – talk to your Cross agent to see what navigational area coverage you need.

Having your watercraft insured as actual cash value can make it difficult to replace a boat that’s been stolen or destroyed. Agreed value coverage means that if your boat is a total loss, you will get the value you insured it for, minus your deductible. Ask an agent about a specialized boat policy for your boat.

This provides coverage if you’re found at fault for an accident on the water. This coverage pays to repair or replace other boater’s property, as well as any medical care, lost wages, and other costs resulting from the accident.

This coverage will cover you or your passenger’s medical bills if you get injured from an accident on the water. The coverage limits vary, but it will cover you, your passengers, and even any water skiers/tubers who were pulled behind your boat, regardless of fault.

This coverage pays to repair or replace your watercraft, its motor, any permanently attached equipment. It can also pay to repair your trailer if it’s stolen or damaged under a covered loss.

If you are injured by an uninsured or underinsured boater, this type of coverage pays for medical treatment, lost wages, and other costs.

In the unfortunate event that your boat sinks or is damaged on the water, there is a possibility of a fuel leak. As the boat’s owner, you are liable to clean this fuel up, which can be very time consuming and expensive. Ensure that your boat policy covers you for fuel spill liability and wreckage removal.

This coverage can protect many personal effects such as clothes, cell phones and fishing equipment that are on your boat. Make sure you’re properly insured on the water by talking to one of our licensed insurance agents today!

This package provides coverage for towing and labor & delivery of gas, oil, or a loaned battery if the watercraft is disabled while on the water.

If you need more coverage for your boat, never fear – there is more coverage available. A Cross Insurance agent can go over all available coverages with you so you can make an informed decision about what coverage is best for your situation.

For example, one of our carriers, Traveler’s Insurance, offers boat wreck removal if you’re stuck on the water after an accident.

Getting boat insurance can be complicated, but Cross Insurance Agency makes it easy. Get a quote for boat insurance today!

Frequently Asked Questions about Boat Insurance

Is boat insurance required?

Some states don’t require boat insurance, but if you have a loan on your boat or if you moored your boat in a marina, then the lienholder or marina may require you to carry insurance.

However, even when boat insurance isn’t required, you’re putting yourself at financial risk if you’re operating a boat in open waters without it.

What types of watercraft does boat insurance cover?

There are lots of watercraft that boat insurance covers, like Personal Watercraft (PWC), fishing boats, pontoon boats, sailboats, power boats, and more! Talk to your Cross agent about what type of watercraft you have and what kind of coverage you need.

What damages would boat insurance cover?

Boat insurance will cover medical bills for you and your passengers, and damage from fire, collision, capsizing, sinking, and more.

If you have more questions about what boat insurance you should get, check out our blog post on common boating claims and what insurance you need to cover them.

What is the average cost of boat insurance?

Insurance policies always vary, so the average cost to insure a boat depends on multiple factors:

Additionally, your credit and loss history can factor into the price. The best way to get an accurate quote is to reach out to us. Quotes take just a few minutes, and we can run you through several great companies.

Does boat insurance cover mechanical issues?

No, boat insurance will not cover mechanical issues such as a blown motor. However, if the mechanical issue is a result of a covered loss such as a collision, then there likely would be coverage. But all coverage situations are subject to claims verification, so it’s not assured that coverage would exist for that situation.

What if I have more questions about boat insurance?

That’s fine! We have multiple resources regarding boat insurance, like our blog about what type of insurance you need for your boat and how to protect your boat year-round.

Cross Insurance Agency always strives to be:

We always want to provide the best service possible for you – if you have more questions, reach out to an agent today. You can call us, text us, or shoot us an email to get all the information you need about boat insurance.

What does the process of getting insurance look like, and how long does it take?

The first step is getting a quote, followed shortly by a call from an agent. Then you and your agent will discuss what kind of boat insurance you need and how much you’re willing to spend.

Afterwards, you’ll have all the information you need to consider which auto insurance you’d like to purchase.

If you have questions about auto insurance or Cross Insurance Agency, you can contact us via a phone call, text, or email. If you need to talk to an agent right away, you can use our booking website to schedule a visit.

Or, if you need to manage your policy, you can use our client self-service portal or our mobile app. We’re here for you whenever you need!

Get a Quote

Cross Insurance represents the top-rated insurance companies in Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: 888-438-6708 or click the button to the right to send us a message for your quote.

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