Boat Insurance Through AAA
Protect your watercraft investment year-round whether on land or water with boat insurance through AAA. Coverage is available for a variety of watercraft subject to maximum length and value requirements.
Great Rates & Discounts
Boat Safety: If your boat is equipped with a diesel-powered primary motor, permanently installed automatic fire extinguishers, or a fume or CO2 detector, a discount is available.
Idle Assisted Steering: If your personal watercraft is equipped with idle assisted steering, special savings are available.
Loyalty: Discount on all insured boats (including personal watercraft) at renewal.
Multiple Products: Discounts are available for maintaining an active Auto, Specialty Vehicle, Homeowners, Condominium or Renters policy through AAA.
Multiple Boat: A discount is available for having two or more watercraft on the same policy.
Payment in Full: If you choose the Paid-In-Full option, a discount in your insurance premium is available.
Good Operator: Reduced rates are available for those who are claim and violation free on both their auto and boat.*
Safe Boater: A discount is available for each driver who has successfully completed an approved boat safety course.
Original Owner: If you’re the only person who has owned your boat, a discount is available.
Prior Insurance Status: A discount is available based upon the status of prior insurance coverage.**
*Discount terms and conditions vary by boat type.
**The insured must provide proof of more than eight months of continuous boat insurance in the past 12 months.
Variety of Watercraft: You can purchase insurance to cover:
- Bass boats
- Cabin cruisers
- Deck boats
- Aluminum fishing boats
- Pontoon boats
- Personal watercraft
Bodily Injury and Property Damage: Coverages that pay for damages or injuries to others for which you are legally liable.***
Uninsured and Underinsured Boaters: Coverage that pays for bodily injury or damage that you are legally entitled to recover caused by an uninsured/underinsured person.
Medical Payments: Coverage that pays for bodily injury to a covered person.
Physical Damage: Coverage that pays for the repair or replacement of your boat resulting from a covered loss.
Loss/Settlement Options such as:
- Replacement cost/purchase price
- Agreed value
- Actual cash value
Disappearing Deductible: Included with Replacement Cost/Purchase Price and Agreed Value Loss settlement options at no additional premium.
Permanently Attached Equipment: Coverage for equipment that is fastened to the hull using bolts or brackets.
Portable Boating Equipment: Coverage for detachable equipment kept in or on a boat for the maintenance or use of the boat.
Reimbursed Towing Costs and Labor: Reimbursement for roadside service in the event of a covered emergency while your boat is on a trailer being towed or carried by a motor vehicle.****
Fishing Equipment Coverage: Coverage for the loss or damage to fishing equipment while on or while being carried on or off your boat. Up to $10,000 of coverage for all damaged equipment (or $1,000 for damage or loss to any single item).
On-Water Emergency Towing and Labor: Provides reimbursement for on-water towing and labor costs in the event your boat becomes disabled while on the water.
***Required in all states.
****Available only in Michigan, Illinois, Wisconsin.
Claim Professionals on Call: Call us toll-free 24/7. We’re always here for you.
Experience and Knowledge: We’ve been providing superior service for generations.
Insurance underwritten by MemberSelect Insurance Company.