AAA Boat Insurance: Navigating Your Coverage Options

Photo of author
Written By MatthewWashington

We believe in empowering our readers with knowledge and tools to make informed insurance decisions. Our mission is to simplify insurance, making it accessible and understandable for all.





So, you’ve got yourself a boat! Whether it’s a sleek speedboat, a cozy sailboat, or a rugged fishing vessel, owning a boat is a dream come true for many. But, as with any significant investment, protecting your prized possession is crucial. That’s where boat insurance comes in. Specifically, AAA boat insurance has become a popular choice for many boat owners. In this comprehensive guide, we’ll dive into everything you need to know about AAA boat insurance, from coverage options to frequently asked questions.

What is AAA Boat Insurance?

AAA, or the American Automobile Association, isn’t just about roadside assistance and car insurance. They also offer comprehensive boat insurance policies tailored to meet the needs of boat owners. AAA boat insurance covers a variety of watercraft, providing peace of mind whether you’re cruising on a lake or navigating coastal waters.

Why Choose AAA Boat Insurance?

Comprehensive Coverage

AAA offers robust coverage options that protect your boat from various risks. From accidental damage to theft and liability, AAA boat insurance has got you covered.

Member Benefits

As a AAA member, you get access to exclusive benefits, including discounts on premiums, travel discounts, and more. These perks make AAA boat insurance not just a safety net but a valuable membership with multiple advantages.

Trusted Name

With over a century of experience in the insurance industry, AAA is a trusted name. Their reputation for reliability and customer service extends to their boat insurance policies, ensuring you’re in good hands.

Types of Coverage

Liability Coverage

Liability coverage is essential. It protects you in case you’re held responsible for injuries or damages to others while operating your boat. This can include medical payments for injured parties and legal fees if you’re sued.

Physical Damage Coverage

This covers repairs or replacement of your boat if it’s damaged in an accident, whether it’s on the water or while being transported. It can also cover damage from events like storms or vandalism.

Medical Payments Coverage

Accidents happen, and medical payments coverage ensures that medical expenses for you and your passengers are taken care of, regardless of who’s at fault.

Uninsured/Underinsured Boater Coverage

Not everyone on the water carries adequate insurance. This coverage protects you if you’re involved in an accident with an uninsured or underinsured boater, covering your medical expenses and damages.

Additional Coverage Options

  • Towing and Assistance: Provides help if your boat breaks down on the water.
  • Personal Effects: Covers personal items on your boat, like fishing gear or navigation equipment.
  • Fuel Spill Liability: Covers costs associated with cleaning up fuel spills from your boat.

How Much Does AAA Boat Insurance Cost?

The cost of AAA boat insurance varies based on several factors, including the type and size of your boat, your boating experience, and the coverage options you choose. Generally, premiums can range from a few hundred to several thousand dollars per year. It’s best to get a personalized quote to understand what you’ll pay.

Tips for Saving on Boat Insurance

Bundle Your Policies

If you already have car or home insurance with AAA, you can often get a discount by bundling your boat insurance with your existing policies.

Take a Boating Safety Course

Many insurers, including AAA, offer discounts for completing approved boating safety courses. Not only does it make you a safer boater, but it also saves you money.

Increase Your Deductible

Raising your deductible can lower your premium. Just make sure you choose a deductible amount you can afford in case of a claim.

Maintain a Clean Record

A history of claims or accidents can increase your premiums. Safe boating habits and maintaining a clean record can keep your costs down.

FAQs about AAA Boat Insurance

1. What types of boats are covered by AAA boat insurance?

AAA boat insurance covers a wide range of watercraft, including speedboats, sailboats, fishing boats, and personal watercraft like jet skis. For specific coverage options, it’s best to contact AAA directly.

2. Does AAA boat insurance cover me in all waters?

Coverage can vary based on location. It’s important to review your policy details to understand where you’re covered. Some policies may have restrictions on certain areas or types of waters.

3. Can I add optional coverage to my AAA boat insurance policy?

Yes, AAA offers several optional coverages that you can add to your policy, such as towing and assistance, personal effects, and fuel spill liability.

4. How do I file a claim with AAA boat insurance?

Filing a claim is straightforward. You can contact AAA’s claims department by phone or online to start the process. Make sure to have all necessary documentation, such as photos of the damage and a police report if applicable.

5. Are there any exclusions in AAA boat insurance policies?

As with any insurance policy, there are exclusions. Common exclusions might include wear and tear, damage from marine life, and losses occurring during commercial use. Always read your policy thoroughly to understand what is and isn’t covered.

6. How can I get a quote for AAA boat insurance?

Getting a quote is easy. You can visit the AAA website or call their customer service to provide details about your boat and coverage needs. They’ll give you a personalized quote based on your information.


AAA boat insurance offers comprehensive and customizable coverage options that cater to various boating needs. With liability, physical damage, medical payments, and additional coverages, you can sail confidently knowing you’re protected. As a trusted name in the insurance industry, AAA provides not only coverage but also peace of mind, ensuring that your boating adventures remain enjoyable and worry-free. Whether you’re a seasoned sailor or a weekend boater, AAA boat insurance is a wise investment in safeguarding your watercraft and your peace of mind.