Boat and watercraft insurance

Boating safety


Getting boat insurance is a no-brainer—especially if you “share your boat” with the bank. Boat insurance is a great way to protect your investment. Just as investing in safety is a great way to protect yourself, your family, and the good times you have out on the water.

Tips for Beginners

Whether you’re driving a speed boat, piloting a pontoon, fishing from a bass boat, or skimming along in a hovercraft, a day on the water is a day in paradise for many Americans. But according to the U.S. Coast Guard a good day can go bad quickly when a passenger falls overboard, a boat capsizes, or it collides with another boat or object.

Here are a few tips to help make sure your days on the water are all good ones:

  • Take boating safety instruction and get a nationally approved boating safety education certificate. Seven out of 10 boating incidents are caused by operator error.
  • Wear a life jacket—always.
  • Don’t drink for the same reasons you don’t drink and drive on land.
  • Check the weather before you go and keep an eye on it while you’re on the water. Weather can go from delightful to dangerous quickly. So stay safe and get off the water quickly if you see bad weather approaching.

Choosing the Best Boat Insurance

A common misconception boat owners have is that their boat, trailer, and onboard items are automatically covered, either by an existing homeowner’s insurance policy or auto insurance policy. But the truth is that most homeowner or auto policies don't cover physical damage, liability, or theft when your boat's on the water. Make sure you have a clear understanding of where you’re covered and where you may need additional protection.

Watercraft insurance policies provided through AAA cover various types of watercraft: powerboat, sport-fisher, sailboat, mid-performance boat, high-performance boat, bass boat, pontoon boat, ski boat, hovercraft, trawler, houseboat, airboat, and personal watercraft. Discounts on watercraft insurance policies may also be offered based on watercraft ownership experience.

Talk to an agent today for boat insurance that suits your needs.

Insurance products sold through ACA Club Insurance Agency, Inc. are underwritten by various insurance providers including CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants may not qualify for all coverages, benefits and discounts. Discounts vary by state and are subject to eligibility requirements. Insurance coverage is not included in the price of membership. Participants in insurance programs incur separate costs for insurance. Life Insurance underwritten by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance is licensed in all states except NY. CA Certificate of Authority #07681. Product and its features may not be available in all states. © 2023 AAA Club Alliance, Inc.