Boat & Watercraft

Customized for your

Customize your policy today

Safeco has been providing coverage for its customers' prized possessions since it opened its doors in 1923.

Your coverage options

Safeco has one of the best base policies in the industry.

Included on every policy

Fuel spill and wreckage removal

Debris from accidents on the water can create environmental and safety hazards. Our watercraft policies cover fuel spills and wreckage removal at the limit of liability.

The freedom to cruise without restrictions

When you insure your watercraft with Safeco, you're covered on all the inland waterways of the U.S. and Canada and up to 75 miles offshore or 90 miles offshore in California. We also have a Mexico or Bahamas coverage extension available in some states. So you're free to explore.

Popular coverage options

Captian's Package

When you choose Safeco’s Captain's package, you get fully-loaded coverage that protects you on both water and land. This comprehensive option includes:

  • New Boat Price Protection
  • Roadside Assistance
  • Emergency Assistance
  • Personal Property Protection

Additional fishing equipment coverage

You can purchase additional Fishing Equipment coverage when at least one watercraft on your policy carries physical damage coverage.

Physical damage

If your boat or watercraft is stolen or damaged, this coverage helps pay for repairs or the replacement of your watercraft, its engine, your trailer, and any permanently attached equipment up to the agreed value of your watercraft. It also automatically includes coverage for unattached equipment, personal effects, and emergency assistance.

Watercraft liability

As with auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are held legally responsible for an accident on the water. This includes paying for boat repairs or replacing someone else's property.

Additional coverages

Medical payments

This helps cover medical expenses such as hospital bills and related care if you're legally responsible for an accident that injures someone else. Coverage is available from $500 to $10,000 and covers you, your passengers, including water skiers and tubers, no matter who is at fault.

Uninsured/Underinsured watercraft bodily injury coverage

If you are injured by an uninsured or underinsured boater, this coverage helps pay for medical treatment, lost wages, pain and suffering, and other costs associated with the accident. Since boat insurance is not mandatory, some boater fail to carry any. This puts everyone on the water at risk. Be sure to remember it's not just your boat that may be lost if you are hit by another boater. You may have to deal with your injuries for the rest of your life.


Saftey Course

You’ll save up to 15% on your premiums when you complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadron.

You can also save up to 5% when you complete an approved National Association of State Boating Law Administrators state-administered course.

Shop Ahead of Time

Receive a quote one or more days ahead of the policy effective date and automatically receive a discount. You’ll receive the biggest discount if you shop eight or more days in advance.

More Savings

  • Insure more than one boat or watercraft
  • Carrying other Safeco policies including home, auto or umbrella
  • Maintaining continuous coverage
  • Paying your bill in full

Call Now for your Free Quotes

(833) 7SAFECO