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Boat / Watercraft Insurance

Coverage you need to ride out the storm

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Get to know your boat and watercraft coverage options

Be it a speed- or sailboat, a jet-ski or fishing rig, we’re here to help you protect one of your biggest and most prized investments. Learn more about the boat and watercraft coverages we offer below, then contact a local independent agent to discuss the right coverage for you.


Coverage
Real-life scenario
Standard
Optional
Agreed Value Coverage
If your boat/watercraft is declared a total loss, you will receive the total amount agreed upon with Safeco to replace it.1
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Emergency Assistance Package
Emergency assistance for boats/watercrafts and personal watercraft, will reimburse you for the cost of on-water towing, labor and emergency services like delivery of fuel, oil or a loaned battery if your boat is disabled while on the water. (Considered Standard when Physical Damage Coverage is also selected.)2
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Fuel Spill and Wreckage Removal Coverage
Covers cost related to cleaning up fuel spills and removal of accident wreckage. This coverage comes standard with liability.3
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Navigational Territory
Covers you and your boat up to 75 miles from the U.S. coastline and into Canadian coastal or inland waters.4
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Personal Effects Coverage
Covers fishing gear and other personal property on your boat/watercraft. (Considered Standard when Physical Damage Coverage is also selected.)5
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Physical Damage Coverage
Helps pay for the cost to repair/replace the boat/watercraft, its motor, any permanently attached equipment, and your trailer up to the agreed value of your boat/watercraft.6
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We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your boat or watercraft vehicle.

You could save money with Safeco’s boat discounts7

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Be a safe boater

You’ll save up to 15% on your premiums when you complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadron.
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Boat Ownership Credit

You can save up to 5% on your premiums if you've owned any boat for two or more years.
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Bundle and Save

You qualify for a discount when you insure more than one vessel or carry an auto, motorcycle, home, condo, or renters policy with Safeco.

Safeco® Captain's Package Coverage

Set sail with peace of mind when you enroll in the Safeco Captain's Package8. Benefits include:

  • New Boat Price Protection: in the event of a total loss, replaces boats/watercrafts less than two years old with a new boat/watercraft.
  • Roadside Assistance: covers the boat/watercraft, trailer, and the car or truck you tow it with.
  • Personal Effects Protection: increased protection limits to your base coverage.
  • Emergency Assistance: Increases this coverage to $1,000.

Ask an agent about it today to learn more.

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Common boat and watercraft insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss Safeco boat and watercraft insurance today.

1Availability varies by state.
2Availability varies by state. Coverage provided on the Physical Damage Coverage. Limits apply.
3Availability varies by state. Terms and conditions apply.
4Availability varies by state. Additional coverage areas can be purchased. Limits apply.
5Availability varies by state. Subject to deductible. Conditions and limits apply.
6Availability varies by state. Limits apply.
7Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
8Availability varies by state. Subject to deductible. Limits apply.