Boat Insurance for Edmonds Moorage: What Marinas Usually Require

Washington does not require boat insurance by law, but most Puget Sound marinas require moorage tenants to carry liability insurance, and many require the marina to be named as an additional insured. If your boat is financed, your lender will also require coverage for physical damage.

What moorage agreements commonly ask for

• Liability limits: often $300,000 to $1,000,000 depending on the marina and the size of the boat
• Additional insured: naming the marina or port on your policy
• Wreck removal: coverage to raise and remove a sunken boat
• Fuel spill liability: pollution cleanup costs
• Proof of insurance on file before you can take a slip, and updated at each renewal

Requirements vary, so always read your own moorage agreement. Send it to us and we will match the policy to it.

Coverage worth adding for Puget Sound

Cold water, strong currents, floating logs and winter storms make some coverages especially useful here: agreed value hull coverage, on-water towing and assistance, uninsured boater coverage and medical payments for passengers. If you trailer your boat, make sure the trailer is covered too.

Navigation limits and lay-up

Check where your policy lets you go. Some policies limit navigation to inland waters, which can matter if you plan a trip to the San Juans or into Canadian waters. Some also offer lay-up credits for months the boat is out of the water.

Do not forget the umbrella

Boat accidents can cause serious injuries. Make sure your personal umbrella policy lists your boat so it extends over the boat’s liability limits.

Questions about your boat? See our boat insurance page or call (425) 555-0100.