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cruise confidently with Safeco® boat and watercraft insurance

smooth sailing lies ahead, starting with your free quote

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get an insurance quote today!

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Safeco boat insurance coverage

Whether you’re deep-sea fishing on your yacht or jet-skiing on a pristine lake, there’s nothing quite like the feeling of being out on the water. But just as every responsible boat owner knows, safety comes first. Safeco boat insurance gives you the confidence you need to enjoy your time on your personal watercraft to the fullest.

standard Safeco boat and watercraft coverages*:

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fuel spill and wreckage removal

Provides liability coverage against fuel and debris cleanup after an accident

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cruise without restrictions

Offers coverage on all U.S. and Canadian waterways and up to 75 miles offshore (90 miles in California)

included with physical damage coverage benefits*:

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agreed value

Pays the full agreed value of your watercraft in the event of a total loss, regardless of age or condition

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personal property and unattached equipment coverage

personal property and unattached equipment coverage

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emergency assistance

Reimburses you up to $500 for the cost of towing, labor, and basic emergency services if your boat is disabled on the water

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pet coverage

Covers up to $1,000 if your cat or dog is injured during a boating accident

additional coverage options may include:

  • land-and-water coverage with the Captain’s Package
  • additional fishing equipment coverage
  • watercraft liability coverage
  • medical payments (MedPay)
  • physical damage
  • uninsured/underinsured watercraft bodily injury coverage

save big with Safeco boat insurance discounts**

Boat and personal watercraft insurance is remarkably inexpensive with Safeco. And when you combine your low rate with one or more of Safeco’s boat insurance discounts, you’ll be donning your captain’s cap and shoving off the first chance you get. Talk to an independent Safeco agent today to learn how much you could save.

so many ways to save on boat insurance with Safeco:

multi-policy discount

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Insure more than one vessel (or perhaps your home, car, or motorcycle) to save big on your boat and watercraft insurance policy.

safe-boater discount

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Complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadrons and save up to 15 percent on your premium.

advance shopper discount

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Get your boat or watercraft insurance quote one or more days before your policy goes into effect to get a discount.

billing plan credit

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Save big when you pay your premium in full at the start of your policy or when you renew.

boating experience credit

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Receive a discount if you have five or more years of boating experience.

boat ownership credit

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Own your boat for two or more years to save up to five percent on your premiums.

homeowners credit

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Clip up to 10 percent off your boat insurance premiums if you own your home.

diesel engine owners discount

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Take advantage of an exclusive 10-percent discount if your boat has an inboard diesel engine.

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do I need insurance on my boat?

If you’re wondering whether you’re required by law to have boat insurance, that depends on a number of factors, such as your state and the type of boat or watercraft you own. It may also depend on whether you keep your boat at a state-run marina or use it at a state park.

Legal reasons aside, personal boat and watercraft insurance is a good idea. After a boating accident or loss, the last thing you need is to worry about how to pay for damages to your property, other people’s property, and potential medical bills.

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call the Safeco boat insurance phone number today

Have questions? Ready to get your no-obligation boat or watercraft insurance quote? Talk with a licensed, independent Safeco agent today!

Phone icon Call 1-855-204-4050 for a free quote.