Boat Insurance

Insurance is designed to protect you from the expenses of unexpected and unavoidable life events. The most important way to protect you and your watercraft is to design a plan that fits your needs. Carlson & Associates works for YOU to find boat insurance that fits your needs at a competitive price.

Looking at the Base Coverages for boats, you’ll see a lot of similarities with an auto policy. Those coverages are explained below, but there are important things unique to boat owners that need attention.

Understand your Boat Insurance before the unexpected happens

Important Boat Insurance Coverages

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments
  • Uninsured/Underinsured Motorist Boater Liability
  • Hull and Motor, Permanent Equipment Damage
  • On Water Emergency Assistance

Boat Insurance Discounts

  • Multi-Policy
  • Multi-Boat
  • Boater Safety Training
  • Advanced Quote
  • Accident Free / Violation Free

Bodily Injury Liability

Coverage to pay for injury and harm to others in an accident where you are found liable.

Property Damage Liability

Coverage to pay for damage to others property caused by your boat.

Uninsured Motorist / Underinsured Motorist

Liability coverage to take care of you when another party injures you or your passengers on your boat when they have no insurance or less insurance coverage than you. Boat Insurance is not typically a state requirement so this is an important coverage to consider.

Medical Payments

Coverage that pays for you and your passengers for medical and related expenses from a boat accident regardless of who is at fault.

 

Hull, Motor, and Permanent Equipment Damage

Physical Damage Coverage for the boat hull, and damage to the Motor and any permanently attached equipment. It is important to know the value of your boat for this coverage and what settlement option you are insuring the boat for. Common boat settlement options in a total loss are: Actual Cash Value (Market Value) and Agreed Value (Agreed upon amount between you and insurance company).

On-Water Emergency Assistance

Similar to Roadside or Towing Coverage within your Auto Insurance. This covers Emergency Assistance when a boat is disabled while afloat.

Personal Effects & Unattached Equipment

There is a minimal amount of Personal Effects Coverage that is likely within your base policy. This coverage can be increased if necessary. Personal Effects cover items on your boat that are not a part of the Hull or Permanently Attached Equipment. Examples are clothing, unattached fishing equipment, and scuba gear.

Package Endorsements

Different insurance companies will package options that increase coverage at usually a minimal price. The packages may provide extended coverage for fishing equipment, personal effects, Emergency Assistance, fuel and spill liability. These may increase payment for a loss to newer boats.

Boat Trailer & Boat Lift

Physical Damage Coverage for a Boat Trailer or Lift is available within a Boat Insurance Policy. Remember to list this coverage within a policy to make sure it’s available.

Everyone’s situation for insurance is unique so it is important to find insurance that fits your needs. One of our insurance professionals can help assess what your needs are and help design an auto insurance plan that will protect you at an affordable cost.

  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

    Ryan Avatar
    Ryan
  • Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read more

    Paige Avatar
    Paige
  • 5 star ratingI've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards... read more

    Lisa Avatar
    Lisa
  • Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read more

    Paul Avatar
    Paul
  • Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!

    Chloe Avatar
    Chloe
  • Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of... read more

    Jessica Avatar
    Jessica
  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

    Juliette Avatar
    Juliette
  • Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read more

    PK Avatar
    PK
  • Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read more

    RBerr Avatar
    RBerr
  • Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read more

    Rhonda Avatar
    Rhonda
  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

    Matthew Avatar
    Matthew
  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

    Carley Avatar
    Carley
  • 5 star ratingKevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he... read more

    Becky Avatar
    Becky
  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

    Amy Avatar
    Amy
  • 5 star ratingMy husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read more

    Elizabeth Avatar
    Elizabeth
  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

    Melissa Avatar
    Melissa
  • Betsy and Pam take such great care of our Family's insurance needs!

    Penny Avatar
    Penny
  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

    Laura Avatar
    Laura
  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

    Dannelle Avatar
    Dannelle
  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

    Allyson Avatar
    Allyson
  • Service was awesome. Great experience all around. Definitely would recommend to anyone

    Nathan Avatar
    Nathan
  • 5 star ratingOver the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read more

    O Avatar
    O
  • Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read more

    Ashley Avatar
    Ashley
  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

    Tommy Avatar
    Tommy
  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

    Trish Avatar
    Trish
  • I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read more

    Michael Avatar
    Michael

[]
1 Step 1
QUICK CONTACT FORM
Nameyour full name
PhoneContact Phone
How can we assist you?more details
0 /
Fileupload
cloud_uploadAnything to upload?
keyboard_arrow_leftPrevious
Nextkeyboard_arrow_right