Your Watercraft Insurance Coverage Options
You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers, or your investment. Safeco can help make your time on the water relaxed and worry-free.
You May Qualify for Credits and Discounts
One advantage of insuring your boat or other watercraft through Safeco is that you may save money by having more than one policy with us. Ask your agent about qualifying for other discounts or credits.
Boat owners may also receive credits of up to 15% on their policy for completing a completing a Coast Guard Auxiliary or U.S. Power Squadron course; or up to 5% for a National Association of State Boating Law Administrators (NASBLA)-approved state administered course.*
Medical Payments
Friends and family you welcome aboard, including water skiers, are covered for medical and related expenses.
Uninsured/Underinsured Watercraft Bodily Injury
Your medical treatment is covered in the event you are injured by someone else that does not have enough coverage or does not have any coverage. Damages are covered up to the limit of coverage you select.
Physical Damage Coverage
Safeco Watercraft Insurance provides coverage on your watercraft, motor, equipment, and trailer for a wide range of hazards, including theft, weather, fire, and collision.
Personal Effects
Our policy has coverage for personal effects including but not limited to: clothing, scuba/snorkeling equipment, and fishing equipment. Limits included vary by states check with your agent for information.
Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft. This includes items like lifesaving equipment, deck chairs, water-skis, and similar sports equipment.
Emergency Assistance Coverage
Your Safeco watercraft policy includes up to $500 in on water towing and labor costs.
Navigational Area
Safeco protection covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California and Florida, additional coverage area can be purchased.
Ask Your Agent
Your independent Safeco agent can help you find insurance that meets your specific needs. Here are a few things to discuss when you talk:
- Is my boat or watercraft covered for use year-round?
- Can I get discounts for taking safety classes, having multiple policies, and diesel power?
- Do I have coverage if I need to have my boat towed in an emergency?
*Some states require young boaters (usually age 16 or younger) to complete an approved safety course before operating a boat. To find out about safe boating classes in your area, contact the U.S. Coast Guard Auxiliary or U.S. Power Squadron.
Note: 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.
