Boat & Watercraft Insurance
Get a boat insurance quote today and see how much you could save with Hoover Insurance NW.
Boat insurance issued by Hoover Insurance NW
Can you enjoy the water without overspending on coverage?
Everyone loves saving money, especially when it comes to insuring their watercraft. At Hoover Insurance NW, we focus on delivering high-quality protection that fits your budget. When reviewing your options, you shouldn't have to compromise on safety to get a good rate. By utilizing our various discount programs, you can significantly reduce your premium while maintaining comprehensive coverage. We even encourage combining multiple discounts for maximum effect. Whether you're navigating a speedboat, pontoon, or personal watercraft, we've got a plan for you.
Boat insurance discounts & savings
Find discounts and more savings for boat insurance with Hoover Insurance NW.
Multi-policy discounts
You could save by bundling your boat and auto or home policies. Insure multiple watercrafts on your policy for more potential savings.
Learn more about bundlingSafety course discount
Boaters who have completed an approved boating safety course can get discounts and savings on their insurance.
Learn about safety discountsMore boat discounts
Find discounts for protective devices, paying in full, and more ways to save based on how you boat.
Learn about savingsBoat insurance coverage types
We let you pick and choose the coverage that's right for you. If you're confused about different boat coverage options or how much coverage you might want, we can help. Here are the most common coverages.
| Coverage | Definition | Example |
|---|---|---|
| Comprehensive coverage | Comprehensive coverage helps pay for losses or damage to your boat caused by incidents like theft, vandalism, hail, wind, fire and more. | Your boat is stolen while docked. Comprehensive coverage can help cover the cost to replace it. |
| Liability coverage | Provides coverage for the cost of injury to others and damage to their property when you're at fault in a boating accident. | You cause a minor collision at the marina. Another boat is damaged. Liability coverage can help pay for repairs to the other boater's vessel. |
| Collision coverage | Helps pay to repair or replace your boat if it's damaged in a collision with another watercraft or object. | You strike a submerged log and damage your hull and prop. Collision coverage can help pay for the repairs to your boat. |
| Optional equipment coverage | Provides coverage for custom parts, accessories, and specialized equipment you've added to your boat. | You've added custom fishing gear and advanced navigation systems. If they are damaged in an accident, optional equipment coverage can help replace them. |
More coverage options
You can also add medical payments, uninsured/underinsured watercraft, roadside/on-water assistance, and other specialty coverages. Learn about more types of insurance coverage.
Getting a boat insurance quote
What information do I need to get a boat insurance quote? Have this information at your fingertips to help make the quote process quick and easy.
Boater details
- Name and date of birth
- Address and phone number
- Boating license/certification info
- Boating history and experience
- Safety course completion details
Boat information
- Make, model, year, and length
- Hull identification number (HIN)
- Engine type and horsepower
- Where the boat is stored and moored
How to compare boat insurance quotes
Start by requesting quotes for the same types of coverage, with the same limits and deductibles. For example, you can ask each insurer for a quote for liability coverage, plus collision and comprehensive coverages (up to the value of your boat), and select the same deductibles for each quote.
Why choose Hoover Insurance NW?
We've spent years putting customers first — personalized attention is a hallmark of our experience.
The value of an insurance broker
Ready to get a boat insurance quote? Maybe you have a question about a policy or need to file a claim. Be sure to let our agents deliver personalized service and support.
The ease of local claims
You'll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.
The experience of local insights
You'll probably have a few questions as you research insurance coverage. If you're not yet ready to speak with an agent, we may still have the answers you're looking for.
How much is boat insurance?
Because risks and regulations vary by state and waterways, so do boat insurance rates. In addition to where you live and the type and amount of coverage you buy, details like how much you boat, your boating record and the type of boat you operate also factor into the amount you pay for insurance.
Frequently asked questions
Getting started is easy!
Tell us what you need
Start online or call our office. It only takes a few minutes.
We compare options
Our team shops multiple carriers to find the right fit.
You choose with confidence
We explain the differences before you decide.
Ready to compare your coverage options?
Prefer to talk first?
Call 360-658-4149
