Set Sail with Confidence: Affordable & Reliable Boat Insurance for Every Voyage

Boat Insurance to Help You Stay Afloat USAA Insurance

Get Coverage and Save on Your Boat Insurance

USAA members can enjoy up to a 5% discount on insurance for a variety of boats and personal watercraft. Whether you own a fishing boat, sailboat, or yacht, you can find the right coverage tailored to your needs. 

image by USAA

Types of Watercraft You Can Insure

• Fishing boats
• Motorboats
• Personal watercraft like Jet Skis and Wave Runners
• Pontoons
• Sailboats

Yachts & Specialty Boats

• Yachts
• Boats longer than 26 feet
• Boats valued over $150,000
• Boats used as a primary residence
• Boats owned by a corporation or LLC

What Does Boat Insurance Include?

Customized Coverage

Enjoy coverage options that fit your boating lifestyle. Protect your boat, trailer, and personal belongings like skis, clothing, sunglasses, and phones. On-water towing and mechanical breakdown assistance are also available.

Financial Protection

Accidents happen, and insurance can cover damages, injuries, and medical expenses if an uninsured boater is involved.

Agreed-Upon Value Options

When you purchase a policy, the value of your boat is agreed upon. If your boat is a total loss due to a covered incident, you’ll receive the amount listed on your policy.

Why Choose USAA for Your Boat Insurance?

USAA has established strong partnerships with trusted insurance providers. For over 30 years, USAA has worked with Progressive, and since 2007, it has collaborated with Markel to ensure high-quality service. Specially trained representatives are available to assist you and provide the level of support you expect.

How Much Does Boat Insurance Cost?

On average, boaters pay a few hundred dollars per year for coverage. However, rates vary based on factors such as boat type, claims history, and boating experience. USAA members receive a 5% discount on most boats and personal watercraft valued under $150,000.

Get a Quote Today

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.

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 watercraft 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.