Insurance Banking Investing Retirement Advice Membership Log On BOAT INSURANCE Keep your dreams afloat. Get peace of mind and a 5% discount on coverage for most types of boats and personal watercraft. See note 1 What type of watercraft do you have? Watercraft Type Select Get a Quote for Boat Insurance Boat insurance helps you stay on an even keel with coverage that meets your needs. Relax and enjoy smooth sailing and coverage from stem to stern through our alliance with Progressive and Markel. Boats and Personal Watercraft Yachts and Boats Over $150,000 Help protect your watercraft and trailer, including options for agreed value and emergency services. Get customized coverage for damage to your yacht and liability needs unique to large boats. Help protect yourself if you're liable for injuries or property damage. There's no deductible on most total losses, and you'll receive the agreed value listed on your policy. Earn discounts for safety, experience and insuring multiple boats, as well as other savings opportunities. If your boat is damaged, there's no depreciation for most covered losses. What kinds of watercraft do we insure? Members get a 5% discount on coverage for most boats and personal water craft valued under $150,000. Learn more about the coverage for each type of watercraft. Personal Watercraft Jet Ski® and other brands Learn About Watercraft Motorboat Also known as powerboats Learn About Motorboat Fishing Boat Bass boats and others Learn About Fishing Boat About (Something) Pontoon From simple to luxury Learn About Pontoon Sailboat For racing or relaxing Learn About Sailboat Yacht Plus boats over $150,000 Learn About Yacht Earn safety discounts. See note 2 You may qualify for additional savings by: Passing a state-approved safety course. Being a responsible operator. Being claims free. Get tips for enjoying the water. Learn about boat safety and planning your weekend. Here are 5 steps to get your boat ready for storage. Read More About how to get your boat ready for storage Keep these water safety tips in mind this summer. Read More About water safety tips for this summer Boat Insurance FAQ Expand All What does boat insurance cover? Does it include my passengers? Boat insurance covers theft, vandalism, fire and weather-related damage. It helps protect you when you cause injuries or damage to someone's property. It also covers collision damage and helps pay medical bills if you're injured by an uninsured boater. If you're responsible for injury to a passenger, your boat insurance will provide coverage. If you purchased medical coverage, it applies to guest passenger injuries even if you're not at fault. Like auto insurance, standard boat insurance doesn't cover maintenance or wear and tear. How much is boat insurance? Am I required to have boat insurance? Do I need insurance for a Jet Ski®? Do I need special insurance for my yacht? Do I need a marine survey to get boat or yacht insurance? Why send me to another website for boat insurance? Set sail with the right boat insurance. We'll help you keep you and your boat on the water through our alliance with leading boat insurance companies. Get a Boat Insurance Quote Get the other coverage you need. Auto Auto Insurance RV RV Insurance Pet Pet Insurance Motorcycle Motorcycle Insurance Classic Car Classic Car Insurance Aviation Aviation Insurance Have questions? If the value of your watercraft is under $150,000, call Progressive at 800-809-1925. If you have a yacht or other high-value boat, call Markel Specialty at 866-936-1879. Copyright © USAA Note 1 The 5% member-only discount may be subject to a maximum overall discount per policy depending on all other discounts you may be receiving. To qualify for this discount you must have a USAA number. Discount is not available in all states. Complete a no obligation quote to see all of the discounts you could receive. Note 2 Not all discounts available in all states. Other restrictions may apply in some situations. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. Coverage descriptions are brief. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product and coverage availability may vary in some locations. Applications for insurance are subject to underwriting by the insurance company. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier. Auto insurance provided by United Services Automobile Association and its property and casualty affiliates, San Antonio, Texas. Pet health insurance is administered by Embrace Pet Insurance Agency, Limited Liability Company and underwritten by one of the licensed insurers of American Modern Insurance Group, Incorporated, including American Modern Home Insurance Company doing business as in California as American Modern Insurance Company (License Number 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting, review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Incorporated. 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