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Does USAA Have Boat Insurance

USAA Boat Insurance: Protecting Your Watercraft

When it comes to insuring your boat, it’s important to choose a reputable and reliable insurance provider. If you’re a member of the United Services Automobile Association (USAA), you may be wondering if they offer boat insurance. In this article, we’ll explore USAA’s boat insurance options and help you understand how they can protect your watercraft.

Understanding USAA Boat Insurance

USAA is well-known for providing insurance products and services to military members and their families. While they primarily focus on auto and home insurance, they also offer boat insurance coverage. USAA’s boat insurance is designed to protect your watercraft and provide you with peace of mind while you’re out on the water.

Benefits of USAA Boat Insurance

Choosing USAA for your boat insurance needs comes with several benefits. Here are some of the advantages you can expect:

  • Comprehensive Coverage: USAA offers comprehensive coverage options for your boat, including protection against damage, theft, and liability.
  • Flexible Policies: USAA allows you to customize your boat insurance policy to suit your specific needs. Whether you have a small fishing boat or a luxurious yacht, they have coverage options for you.
  • Discounts for Members: As a USAA member, you can take advantage of various discounts on your boat insurance policy. These discounts can help you save money while still receiving excellent coverage.
  • 24/7 Claims Support: USAA provides round-the-clock claims support, ensuring that you can easily file a claim and receive assistance when you need it most.
  • Emergency Assistance: If you find yourself in a boating emergency, USAA offers emergency assistance services to help you navigate through the situation and ensure your safety.

How to Get a Quote

If you’re interested in obtaining a boat insurance quote from USAA, the process is simple and straightforward. You can visit their official website or contact their customer service team to get started. Be prepared to provide information about your boat, such as its make, model, year, and any additional features or modifications.

USAA will use this information to assess the value of your watercraft and provide you with an accurate quote. They will also consider factors such as your boating experience, location, and desired coverage limits. It’s important to provide accurate and detailed information to ensure that you receive an appropriate quote.

Considerations for Boat Insurance

When shopping for boat insurance, there are a few key considerations to keep in mind:

  • Coverage Limits: Make sure you understand the coverage limits and exclusions of your policy. It’s essential to have adequate coverage to protect your investment and liability.
  • Deductibles: Determine the deductible amount that works best for your budget. A higher deductible may lower your premium but could result in higher out-of-pocket expenses in the event of a claim.
  • Additional Coverage: Consider any additional coverage options you may need, such as coverage for personal belongings on the boat, towing and assistance, or fuel spill liability.
  • Boating Safety: Many insurance providers, including USAA, offer discounts for completing boating safety courses. Investing in education and safety measures can not only save lives but also reduce your insurance premiums.


If you’re a member of USAA and own a boat, you can take advantage of their boat insurance coverage to protect your watercraft. With comprehensive coverage options, flexible policies, and discounts for members, USAA offers a reliable and convenient solution for insuring your boat. Remember to consider your coverage needs, deductibles, and any additional coverage options before finalizing your policy. Stay safe on the water and enjoy your boating adventures knowing that your boat is protected with USAA boat insurance.

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