boat and personal watercraft insurance

Cruise with confidence knowing you're covered.

watercraft protected by boat insurance
You love your boat. It means sun-soaked Saturdays, fishing trips, water skiing with friends and family, and much more. Whatever type of boat or personal watercraft you own, Safeco can help protect it, along with you and your guests. And while it provides fun and leisure, your boat is also an investment worth protecting. With our comprehensive and affordable coverage, you'll feel better knowing you and your boat are protected on the water, in a marina, or on a trailer. All so you can spend more time doing what you love.
Boat and Watercraft Insurance Discounts and Savings
The average boat premium costs only about a dollar a day. You can save even more by taking advantage of our discounts, so ask your local independent agent about ways to lower your rates. Below are a few great ways to save.

+Carry More Than One Policy with Safeco-Carry More Than One Policy with SafecoCarry More Than One Policy with Safeco
You qualify for a discount when you insure more than one vessel or carry an auto, motorcycle, home, condo, or renters policy with Safeco.
+Be a Safe Boater-Be a Safe BoaterBe 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.

You can also save up to 5% when you complete an approved National Association of State Boating Law Administrators state-administered course. Be advised that some states require boaters younger than 16 years of age to complete an approved safety course before operating a boat.
+Buy in Advance-Buy in AdvanceBuy in Advance
Get a quote from Safeco one or more days ahead of the effective date of your newly issued boat policy and you may qualify for an advance quote discount.
+Billing Plan Credit-Billing Plan CreditBilling Plan Credit
You qualify for a discount when you pay your premium in full at the inception or renewal of a policy.
+Boating Experience Credit-Boating Experience CreditBoating Experience Credit
Experience on the water matters. That's why Safeco offers you a discount if you have five or more years of boating experience.
+Boat Ownership Credit-Boat Ownership CreditBoat Ownership Credit
You can save up to 5% on your premiums if you've owned any boat for two or more years.
+Homeowners Credit-Homeowners CreditHomeowners Credit
Homeowners qualify for a watercraft discount of up to 10%.
+Own a Diesel Engine-Own a Diesel EngineOwn a Diesel Engine
You can save up to 10% if your boat is powered by an inboard diesel engine.

Find a Local Independent Agent
A local independent Safeco agent can help you discover the boat and watercraft insurance coverage you need to fit your unique situation.