Boat Insurance quote USAA

Boat Insurance quote USAA
Boat Insurance quote USAA

Planning a boat trip and wondering about insurance? Well, you’re in the right place! This article is all about getting a boat insurance quote from USAA, a trusted insurance company. Whether you’re a boat expert or just starting out, knowing how to get a quote is important. Let’s break down the process together, so you can enjoy your time on the water worry-free with USAA’s insurance coverage.

When it comes to boat insurance, USAA offers tailored plans to fit your needs. From protecting your boat against unexpected mishaps to covering your gear, they’ve got it all. We’ll explore the different coverage options, making sure you understand what’s included and how it safeguards your aquatic journeys. So, whether you’re cruising on a lake or tackling the open sea, USAA’s boat insurance has you covered. Get ready to set sail with peace of mind!

What kinds of watercraft can be insured?

Curious about the watercraft that can be insured? USAA has you covered! Members can enjoy a sweet 5% discount on coverage for most boats and personal watercraft valued under $150,000. But the perks don’t stop there – the coverage is tailored to suit each type of watercraft.

Whether you’re cruising on a boat or zipping around on a personal watercraft, USAA’s got the details on how to keep your aquatic adventures protected. Dive in to discover more about the coverage options for your specific watercraft and sail with the added bonus of savings!

Wondering about personal watercraft insurance coverage? USAA has got you covered for various water rides, including Jet Ski®, WaveRunner®, Sea-Doo®, and other brands.

Here’s a breakdown of what the insurance covers:

  • Property Damages and Bodily Injuries: Your policy may cover damages and injuries if you’re responsible for an accident. You can also opt for additional coverage for medical costs, up to your policy’s limit, regardless of fault.
  • Your Stuff: Enjoy coverage for your personal property, such as skis, sunglasses, or your phone. USAA ensures your belongings are protected while you’re out on the water.

Curious about what motorboat insurance covers? Whether it’s a freshwater or saltwater boat with an inboard or outboard motor, USAA’s got you covered. Also known as powerboats, these include a variety of boats like

  • Bay boats
  • Bowriders
  • Center consoles
  • Cruisers
  • Cuddy cabins
  • Deck boats
  • House boats
  • Jet boats
  • Ski and wakeboats
  • Walkarounds

Now, let’s break down what motorboat insurance with USAA can include:

  • On-Water Towing: Need a tow? No worries. Your coverage includes on-water towing, covering jump starts and fuel delivery.
  • Water Sports Coverage: If you’re into tubing, kneeboarding, wakeboarding, wakesurfing, or waterskiing, USAA’s got your back. The insurance covers injuries or property damage you might be liable for while enjoying these water sports. Dive in and sail with the assurance that USAA has your motorboat adventures protected!

Interested in insuring your fishing boat? Whether it’s a bass boat or an offshore vessel designed for fishing, USAA has your back. Now, let’s dive into what fishing boat insurance covers:

  • Fishing Equipment Coverage: USAA goes the extra mile by offering full replacement coverage for your fishing gear, up to the available limits. This means if your fishing equipment is damaged, stolen, or lost, you can rest easy knowing USAA has you covered. Additionally, you can also opt for coverage for personal items associated with your fishing adventures. Enjoy the peace of mind that comes with knowing your fishing boat and gear are protected with USAA’s comprehensive coverage.

Considering insurance for your pontoon boat? Whether you’re cruising on lakes or rivers with a boat built on hollow metal cylinders, USAA has tailored coverage for you. Now, let’s explore what pontoon boat insurance with USAA can include:

  • Water Sports Coverage: If you’re into tubing, kneeboarding, wakeboarding, wakesurfing, or waterskiing, USAA has you covered. The insurance extends to injuries or property damage you might be liable for while enjoying these water sports.
  • On-Water Towing: Need a tow on the water? No worries. Your coverage includes on-water towing, covering jump starts and fuel delivery.
  • Your Stuff: USAA understands the value of your personal belongings. You can add coverage for items like skis, sunglasses, or your phone, ensuring your possessions are protected while you’re out enjoying the pontoon experience. Sail smoothly, knowing USAA has your pontoon boat adventures covered!

Considering insurance for your sailboat, powered in full or partially by the wind? With at least one sail catching the breeze, USAA has you covered. Let’s explore what sailboat insurance with USAA typically includes:

  • No Depreciation: Experience peace of mind with USAA’s sailboat insurance. In the event of partial losses, most instances are covered with no depreciation, ensuring you receive the value you deserve.
  • Agreed Value: If your sailboat can’t be repaired following a covered incident, USAA offers an agreed value. This means you’ll receive the amount specified on your policy, providing straightforward and fair compensation for your sailboat’s value. Set sail confidently, knowing USAA has tailored coverage to safeguard your wind-powered adventures.

Considering yacht insurance for your high-value or larger boat? If your vessel exceeds $150,000 in value or is longer than 26 feet, yacht coverage with USAA could be just what you need. Let’s delve into what yacht insurance typically covers:

  • Hull and Equipment Protection: Safeguard your investment with coverage for damages caused by fire, explosions, sinking, collision, and even ice and freezing conditions. Your policy may also cover reasonable costs to prevent further damage.
  • Total Loss: In the unfortunate event of a total loss, USAA often waives the deductible, and you’ll receive the agreed value listed on your policy.
  • Partial Loss: Most partial losses are covered with no depreciation, ensuring you get fair compensation for damages.
  • Personal Effects Coverage: Your personal belongings, such as clothing, sunglasses, and phones, can be covered under personal effects coverage.

Additionally, yacht insurance with USAA may offer a range of extra features, including emergency towing and assistance, rental reimbursement, coverage for uninsured boaters, pollution liability, medical payments, and even paid crew coverage. Sail with confidence, knowing your yacht adventures are protected with comprehensive coverage from USAA.

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Boat insurance FAQ

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 may 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.

The average boater pays a few hundred dollars a year for boat insurance, but it can be much more. Several factors determine how much your premium is. Your claims history, type of boat and boating experience all affect how much you pay.

Boat loan lenders and marinas may require it. Some states require liability coverage. Your homeowner’s policy does not provide the specialty coverage you need if you’re operating a boat. Most boat rental companies offer boat insurance as part of the rental. Check with your insurance company. The liability portion of a Progressive boat policy normally applies to a rental boat; however, damage to the rental boat would not be covered. Since most boat rental companies want their boats protected, they’ll most likely require you to purchase short-term boat insurance from them.

Personal watercraft are fun and fast on the water, but that increases the risk of an accident. Watercraft insurance will help protect you if you’re at fault.

Yachts and other high-value boats have distinct coverage options that are different from smaller boats. Not every insurance company offers this kind of coverage. We work with Markel Specialty to provide USAA members with yacht insurance that offers advantages in coverage and expertise.

You don’t need a survey for a boat policy. Surveys are necessary for some yacht policies based on several factors, including age, length, yacht material and value.

We want the best for you, even if that means referring you to another insurance company. We’ve worked with Progressive for more than 30 years and with Markel Specialty since 2007. They have dedicated teams ready to ensure USAA members get a great mix of pricing and service.


As we wrap up our exploration into boat insurance with USAA, it’s clear that they offer a sea of options tailored to fit every watercraft and adventure. Whether you’re cruising on a personal watercraft, fishing in your favorite bass boat, enjoying the spacious comfort of a pontoon, or embarking on the grandeur of a sailboat or yacht, USAA has your back.

From standard coverage like bodily injury and property damage liability to specialized features such as coverage for water sports, on-water towing, and protection for your personal belongings, USAA’s boat insurance is designed to navigate the unique aspects of your aquatic pursuits.

Whether you’re a seasoned sailor or a first-time boat owner, the peace of mind that comes with USAA’s coverage ensures you can set sail with confidence. So, embark on your next water adventure knowing that USAA is there to navigate the seas of insurance, keeping you and your boat safeguarded every nautical mile.

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