Does AAA Offer Boat Insurance?

AAA is well known for providing roadside assistance and auto insurance to its members. But did you know that AAA also offers boat insurance?

What is Boat Insurance?

Boat insurance provides financial protection for your boat in case of damage, theft, liability claims, and other losses. It’s similar to car insurance but tailored specifically for watercraft.

Some key components of boat insurance include:

  • Property damage coverage – Covers damage to your boat and equipment caused by covered perils like collisions, storms, theft, vandalism, sinking, etc.

  • Liability coverage – Protects you if you’re legally responsible for injuries or property damage caused by your boat. Pays for others’ medical bills, legal fees, etc.

  • Uninsured boater coverage – Covers your losses if you’re hit by an uninsured or underinsured boater.

  • Emergency towing – Pays for towing if your boat breaks down on the water.

  • Fuel spill liability – Covers fuel cleanup costs if your boat causes an oil or gas spill.

  • Medical payments – Pays medical bills for passengers injured on your boat, regardless of fault.

  • Accessories coverage – Covers loss/damage to accessories like fishing gear, water skis, etc.

Boat insurance provides peace of mind so you can fully enjoy time on the water.

Does AAA Offer Boat Insurance?

Yes, AAA offers boat insurance policies to its members in many states. AAA boat insurance provides comprehensive coverage options and benefits tailored specifically for boat owners.

AAA boat insurance offers several advantages:

  • Flexible coverage – Build a custom policy with options like total loss replacement, on-water towing, personal effects coverage, etc.

  • Convenient claims – File claims easily online or over the phone.

  • Highly rated – AAA insurers (like Auto Club Enterprises Insurance Group) have excellent financial strength ratings.

  • Bundling discounts – Save up to 15% when you bundle boat with auto or home insurance.

  • Superior service – Access AAA’s acclaimed customer service and risk management expertise.

  • Added perks – Enjoy benefits like fuel delivery on the water for stranded boats.

So if you’re a AAA member looking to insure your powerboat, sailboat, jet ski, or other vessel, AAA has you covered.

What Types of Boats Does AAA Insure?

AAA provides insurance for a wide variety of recreational watercraft, including:

  • Powerboats
  • Sailboats
  • Fishing boats
  • Pontoon boats
  • Jet skis
  • Sea-Doo watercraft
  • Kayaks
  • Canoes
  • Rowboats
  • Inflatable boats
  • Houseboats
  • Yachts
  • Small cruisers
  • Ski boats
  • Bass boats
  • Jon boats
  • Duck boats
  • And more!

The boat must be used for recreational purposes only, not commercial operations.

What Does AAA Boat Insurance Cover?

AAA boat policies offer comprehensive coverage options to suit your needs. Here are some of the main coverages available:

Property damage – Covers loss or physical damage to your boat and equipment. Includes causes like:

  • Collision/impact
  • Sinking
  • Fire
  • Theft
  • Vandalism
  • Storms
  • Flooding
  • Explosions
  • Striking underwater objects

You can purchase agreed amount coverage to cover the full replacement cost or actual cash value coverage.

Liability – Pays for injury or property damage to others caused by your boat. Provides coverage for:

  • Bodily injury
  • Medical payments
  • Property damage
  • Legal defense costs

Limits generally range from $100,000 to $500,000. Higher limits may be available.

Uninsured boater – Covers losses if you’re hit by an uninsured or hit-and-run boater.

On-water towing – Pays for towing/labor if your boat breaks down while on the water.

Fuel spill liability – Covers fuel cleanup costs from gas/oil spills caused by your boat striking an object or sinking.

Medical payments – Pays medical bills for passengers injured on your boat, regardless of fault.

Personal effects coverage – Provides limited coverage for clothing, food, fishing gear, water toys, etc.

And more! Additional options are available.

How Much Does Boat Insurance Cost with AAA?

Boat insurance rates depend on factors like:

  • Type of boat
  • Size/value of boat
  • Engine type (inboard, outboard, etc.)
  • Where the boat is kept
  • Your boating experience
  • Desired coverage limits & deductibles
  • Safety features
  • Where the boat is operated
  • Your claims history
  • Bundling with other policies

Some general AAA boat insurance pricing averages:

  • Basic liability coverage may start around $100-$300 per year for small boats.
  • Comprehensive coverage for a medium-sized powerboat typically ranges from $300 to $1,000 per year.
  • Larger boats like cruisers and yachts could be $1,000-$5,000+ per year to insure.

To get an accurate boat insurance quote from AAA:

  • Call your local AAA insurance agent
  • Visit and request a quote online
  • Use the AAA Mobile app to get a quick quote

AAA agents can help you understand all the costs and find the right boat policy for your budget and needs. Be sure to ask about bundling discounts.

How to File a Boat Insurance Claim with AAA

If your boat suffers damage, follow these steps to file your AAA insurance claim:

1. Report the incident – Notify AAA immediately to start your claim. Call or file online 24/7. Provide details about what happened.

2. Document the damage – Take photos of damage to the boat, equipment, trailers, etc. Get an inspection. Save receipts for expenses.

3. Determine coverage – Find out what’s covered under your policy. Your AAA agent can explain covered losses.

4. Complete claim form – Fill out the claim form with details about the incident, damages, witnesses, etc.

5. AAA investigates – An adjuster inspects the boat and evaluates the damages. They determine if it’s a covered loss.

6. Settlement – AAA resolves the claim by paying for covered repairs, replacing damaged items, or paying the claim amount.

7. Repairs – Have covered repairs/replacement done by an authorized marine repair shop.

AAA aims to resolve boat claims quickly and fairly so you can get back on the water. Keep your agent informed throughout the claims process.

Top Reasons to Choose AAA Boat Insurance

AAA boat insurance provides peace of mind on the water with benefits like:

  • Flexible coverage – Build a custom policy specific to your boat. Add extras like watersports liability, fishing equipment, etc.

  • Superior value – Competitive rates from trusted providers like Auto Club Enterprises Insurance Group.

  • Convenient claims – Report claims 24/7 online or by phone.

  • Highly rated – Insurers have A or A+ ratings for financial strength.

  • Excellent service – Access AAA’s acclaimed member support and expertise.

  • Member perks – Enjoy fuel delivery, towing coordination, and more through AAA.

  • Bundling discounts – Save up to 15% when you insure your boat with AAA auto or home insurance.

  • Personal guidance – Local AAA agents provide one-on-one service to select the right coverage.

For boaters who want specialized protection for their cherished watercraft, AAA boat insurance is worth a close look.

The Bottom Line

Yes, AAA provides quality boat insurance for members across the United States. Policies offer flexible options to cover your vessel for property damage, liability, on-water towing, medical payments, and more.

Key advantages of insuring your boat with AAA include highly rated insurers, superior member service and claims support, potential bundling discounts, and comprehensive coverage tailored for your needs.

To learn more or request a free boat insurance quote:

  • Visit your local AAA insurance agent
  • Go online to
  • Call the AAA insurance quote line: (877) 248-5302

AAA aims to make insuring your beloved boat smooth sailing. With AAA by your side, you can cruise the waters worry-free this boating season.

AAA Boat Insurance Review: Pros and Cons


How much should I expect to pay for boat insurance?

The average cost of boat insurance ranges from about $200 to $500 per year. However, this figure is a rough estimate based on the most common types of boats. In reality, boat premiums can range anywhere from less than $100 per year to thousands of dollars annually.

Is it worth getting boat insurance?

Keeping your boat insured is a good idea, especially with comprehensive coverage. Your boat insurance will still cover theft, hail damage, and other hazards while it’s stored. Plus, you won’t have to worry about reactivating your policy once you’re ready to get back out on the water.

What does boat insurance cover?

Boat insurance may help cover a motorboat, sailboat or personal watercraft if it’s stolen, in an accident, or damaged by a covered peril like fire or lightning. Boat insurance may also help protect you if you accidentally injure someone or damage their property with your boat.

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