Watercraft Insurance Provided by AAA

Trust AAA for your boat insurance needs – you’ll get customized coverage to fit your needs and style.


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You’ll get flexible policy options for your boat insurance needs – choose between liability-only or Liability/Comprehensive/Collision coverage for whatever type of watercraft you own:

  • Powerboat
  • Sport-fisher
  • Sailboat
  • High-performance
  • Trawler
  • Houseboat
  • Airboat
  • Personal watercrafts
  • Bass boat
  • Pontoon
  • Ski boat
  • Hovercraft
  • Mid-performance

Video: Learn more about boat insurance

AAA also offers optional coverage for boat trailers or boat lifts and has several endorsements that you can add to your policy such as uninsured watercraft, watersport liability, non-owned watercraft liability, and your personal effects.

Our experienced AAA agents will ensure you’re getting the right coverage and taking advantage of all the discount available to you, including ownership experience, claim-free renewal, using diesel fuel, and transferring your policy to AAA.

All coverages protect up to the stated policy limit. For a complete listing of coverages, exclusions, conditions and limitation, please talk to your agent. Program availability, coverages, and discounts may vary by state. The insurance described in this brochure is underwritten by one or more insurers of the American Modern Insurance Group , rated A+ (Superior) by A.M. Best. American Modern Insurance Group is owned by MunichRe, a global leader in primary and reinsurance with over 50 locations throughout the world. This brochure highlights the important features of the coverage offered by American Modern Insurance Group. As with any insurance product, the insurance policy itself sets out the complete terms, conditions, and exclusions concerning the coverage. For the latest A.M. Best Rating, access www.ambest.com.