Get a quote for your watercraft.
Types of watercraft you can insure
Boats and personal watercraft
Fishing boats
Motorboats
Personal watercraft like Jetskis® and Waverunners®
Pontoons
Sailboats
Yachts and specialty boats
Yachts
Boats longer than 26 feet
Boats valued over $150,000
Boats you live on for most of the year
Corporate or LLC-owned boats
Coverage that works for all kinds of boats
Standard coverage includes things like fuel spills, water sports, wreckage removal, and bodily injury and property damage liability. For even more protection, add other coverage options.
Fishing boats
Relax and focus on the big catch when you add protection for your fishing equipment. You can add full replacement coverage up to available limits for your fishing gear.
Motorboats
Before having fun on the water, be sure to check out one of our popular coverage options, on-water towing. It includes jump starts and fuel delivery.
Personal watercraft
Enjoy the thrills with peace of mind. You can add medical coverage up to available limits, in case anyone gets injured on your ride.
Pontoons
Before you hit the water, explore one of our popular coverage options, on-water towing. It includes jump starts and fuel delivery.
Sailboats
Enjoy smooth sailing. Check out some of our popular add-ons, partial loss and total loss coverage.
Most partial losses will have no depreciation. If your sailboat can't be repaired after a covered incident and is considered a total loss, you'll receive the value listed on your policy.
Do you have a unique boat or situation?
We've teamed up with Markel American Insurance company to help you get the right coverage for your needs. You may want specialty coverage if you own:
- A yacht or boat valued over $150,000.
- A boat owned by a corporation or limited liability company, also called an LLC.
- A boat that you live on for most of the year.
Get a quote for your watercraft.
Earn safety discounts. See note 2
Depending on your state, you may be able to save on your premium by:
- Passing a state-approved safety course.
- Being a responsible operator.
- Being claims free.
Why get a policy through the USAA Insurance Agency?
We have long-standing alliances with other insurance providers, and we monitor these relationships to make sure they meet our standards.
We’ve worked closely with Progressive for over 30 years and Markel since 2007. You can get help from specially trained representatives who'll serve you at the level you expect.
How much is boat insurance?
The average boater pays a few hundred dollars a year, but it can be much more.
Your premium will vary depending on several factors, including your type of boat, claims history and boating experience.
USAA members get a 5% discount for most boats and personal watercraft valued under $150,000. See note 1
Boat insurance FAQ
If you're responsible for injury to a passenger, your boat insurance may provide coverage.
If you purchased medical coverage, it can apply to guest passenger injuries even if you're not at fault.
Personal watercrafts are fun and fast on the water, but that can increase the risk of an accident. Boat insurance may help protect you if you're at fault.
You don't need a survey for a boat or personal watercraft policy.
You might need a survey for some yacht policies. It depends on several factors, including age, length, yacht material and value.
Boat loan lenders and marinas may require it. Some states require liability coverage.
Set sail with boat insurance.
Have more 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 at 866-936-1879.