Boat Insurance

Boat Insurance USAA: The Ultimate Guide

Hey there, boat enthusiasts! If you’re navigating the waters of boat insurance, you’ve probably come across USAA. Known for their stellar customer service and comprehensive coverage, USAA offers boat insurance that can give you peace of mind while you enjoy your time on the water. Whether you’re a seasoned sailor or a newbie boater, understanding the ins and outs of boat insurance with USAA is crucial. In this guide, we’ll dive into everything you need to know about boat insurance USAA, from coverage options to claims and more. So, let’s set sail!

What is Boat Insurance USAA?

Boat insurance USAA provides protection for your boat, personal watercraft, or yacht. It covers a range of incidents, including theft, damage, and liability. As a member-owned organization, USAA caters primarily to military members and their families, offering tailored insurance solutions that meet the unique needs of its members.

Why Choose USAA for Boat Insurance?

Comprehensive Coverage

USAA offers a variety of coverage options to protect your investment. Whether you own a small fishing boat or a luxury yacht, USAA has policies that can be customized to suit your needs. Coverage includes:

  • Physical Damage: Protects your boat from accidents, weather events, and other types of physical damage.
  • Liability Coverage: Covers costs if you’re responsible for an accident that causes injury or property damage.
  • Medical Payments: Provides coverage for medical expenses if you or your passengers are injured in a boating accident.
  • Uninsured Boater Coverage: Protects you if you’re involved in an accident with an uninsured or underinsured boater.

Discounts and Savings

USAA is known for offering competitive rates and discounts. Members can benefit from various discounts, such as multi-policy discounts, safe boating course discounts, and more. These savings can significantly reduce the overall cost of your boat insurance policy.

Exceptional Customer Service

USAA consistently ranks high in customer satisfaction. Their dedicated team is available to assist with policy questions, claims, and other concerns, ensuring you receive the support you need when you need it most.

Key Features of USAA Boat Insurance

Physical Damage Coverage

This feature covers repairs or replacement of your boat if it’s damaged in an accident, by weather, or through other incidents like theft or vandalism. USAA provides agreed value coverage, which means you and USAA agree on the value of your boat at the time you purchase the policy. In the event of a total loss, you’ll receive that agreed amount.

Liability Coverage

Accidents happen, and if you’re found responsible for an accident that results in injury or property damage, liability coverage can save you from significant financial loss. This coverage includes legal fees and settlements, ensuring you’re not left footing the bill alone.

Medical Payments

Boating accidents can result in injuries, and medical payments coverage ensures that medical expenses for you and your passengers are covered. This feature is particularly important if you often have guests on your boat.

Uninsured Boater Coverage

Not everyone on the water has insurance, and if you’re hit by an uninsured or underinsured boater, this coverage protects you. It can cover damages to your boat and medical expenses for injuries caused by the accident.

How to Get a Boat Insurance Quote from USAA

Step 1: Gather Information

Before requesting a quote, gather all necessary information about your boat. This includes:

  • Boat make and model
  • Year of manufacture
  • Hull identification number
  • Engine type and horsepower
  • Current market value
  • Usage details (e.g., recreational, commercial)
  • Safety features (e.g., fire extinguishers, life jackets)

Step 2: Visit USAA’s Website

Head over to the USAA website and navigate to the boat insurance section. Here, you’ll find an option to get a quote.

Step 3: Enter Your Information

Fill out the online form with the details of your boat and personal information. This helps USAA tailor the quote to your specific needs.

Step 4: Review and Customize

Review the quote provided and customize your coverage options. You can adjust the deductible, add additional coverages, and apply eligible discounts.

Step 5: Purchase Your Policy

Once you’re satisfied with the coverage and premium, you can purchase your policy online. USAA’s user-friendly interface makes this process quick and easy.

Making a Claim with USAA

If you need to make a claim, USAA’s claims process is straightforward and efficient. Here’s a step-by-step guide:

Step 1: Contact USAA

Report the incident as soon as possible by calling USAA’s claims department or filing a claim online through their website or mobile app.

Step 2: Provide Details

Provide detailed information about the incident, including when and where it happened, the extent of the damage, and any other relevant details.

Step 3: Schedule an Inspection

A claims adjuster will be assigned to your case and will schedule an inspection of your boat to assess the damage.

Step 4: Repair and Settlement

Once the inspection is complete, USAA will work with you to repair your boat. If the damage is extensive, they may offer a settlement based on the agreed value of your boat.

Step 5: Receive Payment

After agreeing on the repair or settlement amount, USAA will issue payment promptly, ensuring you’re back on the water as soon as possible.

FAQs about Boat Insurance USAA

What types of boats does USAA insure?

USAA provides insurance for a wide range of boats, including:

  • Motorboats
  • Sailboats
  • Yachts
  • Personal watercraft (e.g., jet skis)
  • Fishing boats

Can I bundle my boat insurance with other USAA policies?

Absolutely! USAA offers discounts for bundling multiple policies, such as auto, home, and boat insurance. This can lead to significant savings on your premiums.

What factors affect the cost of my boat insurance premium?

Several factors influence your premium, including:

  • The type and value of your boat
  • Your boating experience and claims history
  • The coverage options you select
  • Your location and where you store your boat
  • Safety features and equipment on your boat

Does USAA offer coverage for boating accessories?

Yes, USAA offers optional coverage for boating accessories such as navigation equipment, fishing gear, and other personal items on your boat.

What should I do if my boat is stolen?

If your boat is stolen, report the theft to the local authorities immediately. Then, contact USAA to file a claim. Provide as much information as possible, including any documentation and photos of your boat.


Navigating the world of boat insurance can be tricky, but with USAA, you have a reliable partner to help you sail smoothly. From comprehensive coverage options to exceptional customer service, USAA ensures that your boating adventures are protected. Whether you’re cruising the open seas or fishing on a serene lake, having the right insurance gives you peace of mind. So, why wait? Get a quote today and see how USAA can keep you and your boat safe on the water.

Boat insurance USAA isn’t just about protection—it’s about enjoying your time on the water without worry. Happy boating!