Log in Boat / Watercraft Insurance Coverage you need to ride out the storm Find a local agent Enter your ZIP code to get started ZIP code zip code Search by agency name CoveragesDiscountsFAQs Get to know your boat and watercraft coverage options Be it a speed- or sailboat, a jet-ski or fishing rig, we’re here to help you protect one of your biggest and most prized investments. Learn more about the boat and watercraft coverages we offer below, then contact a local independent agent to discuss the right coverage for you. Coverage Real-life scenario Standard Optional Agreed Value Coverage If your boat/watercraft is declared a total loss, you will receive the total amount agreed upon with Safeco to replace it.1 Emergency Assistance Package Emergency assistance for boats/watercrafts and personal watercraft, will reimburse you for the cost of on-water towing, labor and emergency services like delivery of fuel, oil or a loaned battery if your boat is disabled while on the water. (Considered Standard when Physical Damage Coverage is also selected.)2 Fuel Spill and Wreckage Removal Coverage Covers cost related to cleaning up fuel spills and removal of accident wreckage. This coverage comes standard with liability.3 Navigational Territory Covers you and your boat up to 75 miles from the U.S. coastline and into Canadian coastal or inland waters.4 Personal Effects Coverage Covers fishing gear and other personal property on your boat/watercraft. (Considered Standard when Physical Damage Coverage is also selected.)5 Physical Damage Coverage Helps pay for the cost to repair/replace the boat/watercraft, its motor, any permanently attached equipment, and your trailer up to the agreed value of your boat/watercraft.6 We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your boat or watercraft vehicle. You could save money with Safeco’s boat discounts7 Be a safe boater You’ll save up to 15% on your premiums when you complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadron. Boat Ownership Credit You can save up to 5% on your premiums if you've owned any boat for two or more years. Bundle and Save You qualify for a discount when you insure more than one vessel or carry an auto, motorcycle, home, condo, or renters policy with Safeco. Safeco® Captain's Package Coverage Set sail with peace of mind when you enroll in the Safeco Captain's Package8. Benefits include: New Boat Price Protection: in the event of a total loss, replaces boats/watercrafts less than two years old with a new boat/watercraft. Roadside Assistance: covers the boat/watercraft, trailer, and the car or truck you tow it with. Personal Effects Protection: increased protection limits to your base coverage. Emergency Assistance: Increases this coverage to $1,000. Ask an agent about it today to learn more. Find an agent Start with a quote — finish with an agent Policy type Auto Homeowners Renters Condo Boat Motorcycle RV Umbrella Landlord Protection ZIP code Get started Common boat and watercraft insurance questions Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss Safeco boat and watercraft insurance today. Is boat insurance required? Is your boat covered by your homeowners policy? Should you insure your boat even if you only use it seasonally? Does Safeco offer Actual Cash Value (ACV) coverage on watercraft? What if I’m hit by an underinsured or uninsured driver? 1 Availability varies by state. 2 Availability varies by state. Coverage provided on the Physical Damage Coverage. Limits apply. 3 Availability varies by state. Terms and conditions apply. 4 Availability varies by state. Additional coverage areas can be purchased. Limits apply. 5 Availability varies by state. Subject to deductible. Conditions and limits apply. 6 Availability varies by state. Limits apply. 7 Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 8 Availability varies by state. Subject to deductible. Limits apply. 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Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.