Same secure coverage on the water
When you’re out on the water, you want the peace of mind that comes from knowing you’re really protected in case of an accident. Watercraft insurance through AAA is a smart choice for your powerboat, sailboat, boat trailer, or personal watercraft.

• Financial stability: An A.M. Best rating of “A+ Superior” for our affiliate insurer reflects the high level of financial strength behind the insurance we offer
• Personalized service: Knowledgeable, friendly, licensed insurance agents
• Emergency services: If you’re stranded or disabled and need a tow back to shore, this coverage provides a $500 reimbursement
• Uninsured boater: Pays for bodily injury damages recoverable from an uninsured boater when it’s his or her fault
• Vessel coverage: For boats up to 33 feet in length
• Longevity: Up to 15 percent off, depending on the number of years you’ve had continuous watercraft insurance through AAA

AAA discounts make protection affordable
Once you’ve made the investment, you want to help safeguard it. With AAA insurance, these discounts help do that for a great rate.¹

• Multi-policy discounts:
  • Up to 5 percent with a qualifying auto policy
  • Up to 5 percent with a qualifying homeowners² policy
  • Up to 10 percent with qualifying auto and homeowners² policies
  • Up to 12 percent with qualifying auto, homeowners², and umbrella policies
• Protective device discounts: 5 percent off for boats equipped with burglar alarm, vapor detection system, fire extinguisher, or other qualifying protective devices
• Diesel discount: 5 percent off if boat’s primary engine runs on diesel
• Safety course: 10 percent when you obtain any of AAA’s approved certifications
• Longevity: Up to 15 percent off, depending on the number of years you’ve had continuous watercraft insurance through AAA

Coverage made simple
Give yourself the same peace of mind on the water that you enjoy on the road with watercraft insurance through AAA. We cover most powerboats and sailboats up to 26 feet in length. We also offer insurance for your trailer, JetSki^® or personal watercraft.³

• Electronic equipment: Provides up to $1,500 of coverage for any additional electronic equipment (additional limits available)
• Personal effects: Provides up to $1,500 of coverage (additional limits available)

Optional coverages:

• Uninsured boater: Pays for bodily injury damages recoverable from an uninsured or underinsured boater when it’s his or her fault
• Medical payments: Available in various limits for boats and personal watercraft

Additional endorsements:

• Agreed value: in the case of a total loss, we will pay the agreed value, less your deductible (available for boats six years of age or newer)
• Emergency Services: If you’re stranded or disabled and need a tow back to shore, this coverage provides a $500 reimbursement
• Lay-up endorsement: While the vessel is stored, a policy credit will be applied (four- or six-month options available)