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Boat/Watercraft Insurance

Insure Your Boat or Personal Watercraft Without Getting Soaked

It’s almost the weekend and you’re ready to get out on the water. With local Safeco boat insurance agents in most of America’s boating capitals, we understand the lure of relaxing on the water, whether it’s a lake, river or the ocean. We know the ins and outs of insuring your bass or fishing boat, your cabin cruiser, ski boat, sailboat or pontoon. We’ll also insure your Jet Ski®, WaveRunner® or other personal watercraft. Get comprehensive boat insurance coverage that protects you, your friends and family, your boat, your PWC and your boating gear for an entire year. With Safeco boat insurance, not only is your watercraft covered in the water, but it’s covered on land too.

Boat Insurance Coverage Options

Choose a basic watercraft insurance policy or add fully-loaded coverage with the Safeco Captain’s Package. Be protected on the water and on land, with agreed value boat insurance for you, your passengers and your boat or PWC.
Learn more about boat insurance coverage.

Boat Claims

It's smooth sailing from here. If your hull is damaged by a submerged log, or if your boat is broken into and your gear is stolen, we’ll help you get back on the water. Customer service representatives specializing in boat and personal watercraft insurance claims are available to assist you around the clock. We’ll be there for you, 24/7.

Learn how to file a claim.

Boat Insurance Discounts

Discounts are available for taking a boating safety course, having a diesel engine, and having more than one Safeco insurance policy. Our discounts will help you save money for those nifty gadgets and gear you saw at the boat show. Learn how to pay less for boat insurance.
Learn how to save with boat insurance discounts.

Do More.®

Make your time on the water a safer and more enjoyable experience. Learn about personal watercraft safety, where to get a fishing license, and how to maintain or winterize your boat. Enjoy the fair winds. We’ve got you covered.





Boat Insurance FAQ

Find answers to frequently asked questions about Safeco boat and personal watercraft insurance.
Read frequently asked questions about boat insurance.

Why Choose Safeco for Boat Insurance

Discover all the reasons why Safeco Insurance is the right choice for you. We make boat insurance easy so you can enjoy the water.
Learn why you should choose Safeco boat insurance.

Boat Insurance Discounts 

Find an Independent Insurance Agent to Quote Boat Insurance  

Boat Insurance Coverage Options 

Boat Insurance Reviews

Boat/watercraft Insurance is rated 4.4375 out of 5 by 16.
Rated 1 out of 5 by from Not a good experience Lack of priority given to claim & roadside service
Date published: 2015-12-15
Rated 5 out of 5 by from My Review I have been with safeco for years, and they have always done me right. They may not always be the cheapest insurance, but always the best. Love you guys
Date published: 2015-10-15
Rated 5 out of 5 by from Great experience! Very helpful people. Painless experience. Rep was very cordial and even faxed a copy of the insurance for us.
Date published: 2015-10-15
Rated 5 out of 5 by from Boat damage Outstanding. With knowledge superb. Understanding my problem.
Date published: 2015-10-01
Rated 5 out of 5 by from Outstanding Service Sold one boat and traded in another on a new boat. Seamless transition.
Date published: 2015-09-25
Rated 4 out of 5 by from COMPETITIVE I change boat insurance through my credit union and Safeco was one of the favorable options. The limits were better the cost a little lower and I was happy to give them a try. I have never had a claim in the 37 yrs of safe boating. And have always had coverage just in case the other guy is not looking my way. Thanks!
Date published: 2015-09-24
Rated 3 out of 5 by from Resolved an issue After the first associate messed up my full pay I did the month before and putting my account in jeopardy the second operator resolve my issue.
Date published: 2015-06-23
Rated 5 out of 5 by from Very good service! Very prompt service also! I had a claim for our boat! Jacob our adjuster was helpful and very prompt! Answered all our questions!
Date published: 2015-06-15
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© 2016 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.