Boating Season

Before you launch: Boating safety and insurance tips for summer

Boating season is underway across the Pacific Northwest, with warm weather drawing people to the region’s lakes, rivers and Puget Sound waters. Whether you’re fishing, sailing, water skiing or simply enjoying a day on the water, now is the time to make sure you’re doing everything possible to protect yourself, your passengers and others sharing Northwest waterways.

That starts with reviewing boating safety practices, following state and federal boating laws, and making sure you have insurance coverage that fits your vessel and recreational activities.

According to the U.S. Coast Guard, there were 3,887 recreational boating incidents nationwide in 2024, resulting in 556 deaths and 2,170 injuries. While any boating death or injury is one too many, the numbers reflect a continued emphasis on boating safety and education.

In the Pacific Northwest, Washington reported 36 boating incidents that resulted in 13 deaths and 15 injuries. Oregon recorded 58 incidents, leading to 19 deaths and 29 injuries, while Idaho reported 39 incidents that caused four deaths and 16 injuries.

Boating collisions, injuries and drownings can quickly turn a day of recreation into tragedy. Fortunately, many accidents are preventable when boaters understand and follow safety regulations, remain alert on the water, and ensure their vessels are properly equipped.

The NW Insurance Council encourages boaters to make safety a priority throughout the summer and review their insurance coverage before heading out on the water

Insurance Coverage for Your Boat

Before boating season reaches its peak, take time to review your insurance coverage. Like auto insurance, boat insurance can help pay for repairs or replacement if your vessel is damaged, stolen or vandalized. It can also provide liability protection if you accidentally injure someone or damage another person's property while operating your boat.

"Boat insurance helps protect both your investment and your financial well-being," said Kenton Brine, president of the NW Insurance Council. "Coverage can help pay for damage to your vessel and may also provide liability protection if you're involved in an accident on the water."

What Homeowners and Renters Insurance Covers

Many Homeowners and Renters insurance policies provide limited coverage for small watercraft such as canoes, kayaks, small sailboats and powerboats with less than 25 horsepower.

Coverage for physical damage is often limited to between $1,000 and $2,000, although limits vary by insurer and policy. Liability coverage for watercraft may be limited or excluded unless specifically added by endorsement. Review your policy and talk with your insurance professional to understand what protection is available.

When You Need a Separate Boat Insurance Policy

If you own a larger, more valuable vessel, a separate boat insurance policy may be necessary to provide adequate protection.

A dedicated boat policy can help cover:

• Physical damage to your boat.
• Theft or vandalism losses.
• Liability for injuries or property damage caused to others.
• Medical payments coverage.
• Towing and emergency assistance.
• Specialized equipment such as fishing gear, electronics and navigation equipment.

Talk with your insurance company or agent about the coverage options that best fit your vessel and how you use it.

Ways to Save on Boat Insurance

Many insurers offer discounts that can help reduce premiums. You may qualify for savings if you:

• Complete an approved boating safety course
• Have a claim-free boating history
• Carry multiple policies with the same insurer
• Equip your boat with Coast Guard-approved safety equipment, including fire extinguishers

Ask your insurance professional about available discounts and eligibility requirements.

Boating Safety Tips for Summer

According to the Coast Guard, alcohol use remains one of the leading contributing factors in recreational boating accidents. Many boating fatalities also involve the absence of life jackets and a lack of boating safety education.

Before heading out on the water, keep these safety tips in mind:

• Always wear a Coast Guard-approved life jacket that fits properly.
• Never operate a boat while under the influence of alcohol or drugs.
• Take a boating safety course and understand the rules of the waterway.
• Operate at safe speeds and adjust for weather, visibility and water conditions.
• Designate a passenger to serve as a lookout in addition to the operator.
• Watch for low-water areas, submerged objects and other hazards.
• Maintain a safe distance from other boats and personal watercraft.
• Check weather forecasts before launching.
• Follow all marine traffic laws and understand distress signals.
• Inspect fuel, lighting, electrical and exhaust systems before leaving the dock.
• Keep a first-aid kit, extra food and drinking water on board.
• Carry at least one fully charged, working fire extinguisher.

A little preparation before leaving the dock can help ensure a safer, more enjoyable day on the water for everyone.

For more information about Property & Casualty Insurance, visit NW Insurance Council at www.nwinsurance.org