Watercraft Insurance

A boat's line tied to a cleat on a dock

Whether you own a personal watercraft, small ski boat, fishing boat, or a 26-foot cruiser—up to 40-foot and $300,000 in most states—knowing that you’re covered by Safeco should give you the peace of mind to relax and enjoy every nautical mile.

What We Insure

Safeco insures a full range of recreational boats including:

  • Bass Boats
  • Fish and Ski
  • Cabin Cruisers
  • Sailboats
  • Pontoons
  • Jet Boats
  • Ski Boats
  • Runabouts
  • Jon Boats
  • Personal Watercraft

Why Insure Your Boat or Personal Watercraft?

You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers, or your investment. Here are a few things to consider:

  • If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Your watercraft also needs protection when it’s on land. When most boats are stolen, the motor and trailer are also lost.

Your Watercraft Insurance Coverage Options

Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your watercraft. Thinking of buying a boat? Check with your agent to see what it will cost to insure it.

Get Started

Talk with an independent Safeco agent. They can help identify the best combination of coverage, value, and price for you. And they can help make sure your insurance continually meets your changing needs.

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Did You Know?

When a boat is stolen, the motor and trailer often go with it, resulting in multiple replacement expenses. If you have a boat, a Safeco watercraft policy can protect your investment, on and off the water. Learn more.