BOAT AND WATERCRAFT
Trusted protection from a name you know Your home, your car, your family—we offer protection for them all.
Same secure coverage on the water
When you’re out on the water, you want the peace of mind that comes from knowing you’re really protected in case of an accident. Watercraft insurance through AAA is a smart choice for your powerboat, sailboat, boat trailer, or personal watercraft. Request a free, no-obligation quote today.
WHY CHOOSE AAA BOAT AND WATERCRAFT INSURANCE?
AAA DISCOUNTS SAVE YOU MORE
AAA discounts make protection affordable
Once you’ve made the investment, you want to safeguard it. With AAA insurance, these discounts help do that for a great rate.1
- Multi-policy: Up to 20 percent off your watercraft coverage when you also insure your car or home through AAA
- Safety course: 10 percent off when you obtain any of AAA’s approved certifications
- Longevity: Up to 10 percent off, depending on the number of years you’ve had continuous watercraft insurance through AAA
PICK THE PROTECTION THAT FITS YOUR NEEDS
- COVERAGE MADE SIMPLE
We cover most powerboats and sailboats up to 33 feet in length. We also offer insurance for your trailer, JetSki®, or personal watercraft.2
- ELECTRONIC EQUIPMENT
Provides up to $1,500 of coverage for any additional electronic equipment (additional limits available).
- PERSONAL EFFECTS
Provides up to $1,500 of coverage (additional limits available).
- UNINSURED BOATER
Pays for bodily injury damages recoverable from an uninsured or underinsured boater when it’s his or her fault.
- MEDICAL PAYMENTS
Available in various limits for boats and personal watercraft.
- AGREED VALUE
In the case of a total loss, we will pay the agreed value, less your deductible (available for boats six years of age or newer).
- EMERGENCY SERVICES
If you’re stranded or disabled and need a tow back to shore, this coverage provides up to a $500 reimbursement.
- LAY-UP ENDORSEMENT
While the vessel is stored, a policy credit will be applied (four- or six-month options available).
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Automobile Club of Southern California (“AAA" or "Auto Club") is a licensed insurance agency offering insurance to qualified Auto Club members from the Interinsurance Exchange of the Automobile Club, and life insurance from AAA Life Insurance Company, Livonia, MI. Auto Club’s CA DOI Lic. #0003259. Auto Club membership requires the separate payment of annual dues and an admission fee for new members.
1Certain restrictions apply. Discount amounts are approximate and will vary by policy. Acceptable documentation/certification may be required before discount(s) can be applied.
2This information is a helpful summary only and is not a comprehensive definition of all coverages, qualifications, limitations, etc. Please consult the policy and one of our insurance agents for more information.