Everything You Need to Know About AAA Boat Insurance

Owning a boat comes with a lot of fun and freedom, but also plenty of responsibilities. Making sure your boat is properly insured should be a top priority. But with so many options out there, how do you choose the right boat insurance for your needs and budget?

Many boat owners turn to AAA for seamless, affordable boat insurance. As one of the most trusted names in insurance, AAA provides exceptional coverage options for all types of boats.

In this article, we’ll explain everything you need to know about AAA boat insurance We’ll look at what coverage they offer, what boats they insure, discounts available, and what makes their boat insurance stand out. Let’s set sail on the details of AAA boat insurance!

What Types of Boats Does AAA Insure?

One of the top benefits of choosing AAA boat insurance is the wide range of watercraft they insure. AAA provides boat insurance for:

• Fishing boats
• Runabouts
• Pontoons
• Personal watercraft like jet skis
• Sailboats
• Cruisers
• Yachts
• Houseboats
• Kayaks
• Canoes
• Rowboats
• Dinghies
• And more!

AAA can cover boats up to 50 feet long with values up to $250,000. They truly offer versatile boat insurance for all sorts of watercraft, from modest to luxurious.

So whether you have a bass fishing boat, a high-performance speedboat, or a cabin cruiser for the family, AAA has you covered. Their boat insurance options accommodate different boat types, uses, sizes, and values.

What Does AAA Boat Insurance Cover?

AAA boat insurance provides all the essential coverages boat owners need at excellent rates. Core coverages include:

Property Coverage

• Physical damage to repair or replace your boat if it is stolen or experiences a covered peril like fire, sinking, vandalism, collision, etc.

Liability Coverage

• Bodily injury liability to cover injuries to others caused by you or your boat
• Property damage liability to cover damage your boat does to other people’s property

Medical Payments

• Coverage for medical costs for injuries to others on your boat

Uninsured Boater Coverage

• Protection if you’re involved in a collision caused by an uninsured boater

Trailer Coverage

• Protection for attached trailers against covered losses

AAA also offers useful add-ons like:

• On-water towing services
• Fuel spill liability
• Personal effects coverage

With the right liability limits and comprehensive coverage selections, AAA boat insurance provides full protection on the water.

Why Choose AAA for Boat Insurance?

There are many insurance companies that offer boat insurance. But AAA stands out with benefits like:

Trusted Reputation – For over 100 years, AAA has provided exceptional auto insurance. They bring this same commitment to excellence with their boat insurance.

Superior Claims Service – AAA handles claims quickly and fairly so you can get back out on the water.

Local Agents – AAA agents live in your community and specialize in insurance needs for the area. Their expertise ensures you get the right boat insurance for where you boat.

Bundling Discounts – Insure both your car and boat with AAA to unlock multi-policy discounts.

Boating Discounts – AAA offers discounts for safety courses, association memberships, multi-boat coverage, and more.

Perks & Savings – AAA members enjoy amazing perks like free towing and discounts on repairs, fuel, accessories, and travel.

With benefits like 24/7 claims service, flexible payment plans, and knowledgeable agents, it’s easy to see why AAA is a leading choice for boat insurance.

How Much Does Boat Insurance Cost with AAA?

Boat insurance rates depend on factors like:

• Your location – Rates are based on boating risks in your area.

• Your boating history – Previous accidents or violations raise rates.

• Your boat type – Fiberglass runabouts often cost less than houseboats to insure.

• Your boat’s value – More expensive boats cost more to insure.

• Your desired coverage – Higher liability limits and lower deductibles raise premiums.

AAA makes it easy to get a fast quote online or over the phone. Provide details on your boat, boating history, and the coverage desired, and AAA will calculate a personalized premium.

To save even more on premiums, ask about:

• AAA membership discounts
• Multi-policy discounts
• Safety course discounts
• Lay-up discounts for storing your boat for winter
• Equipment & accessories coverage to save on costly add-ons

AAA is committed to securing affordable rates for its boat insurance members. Their exceptional service and safety focus help keep premiums low.

Getting Started with AAA Boat Insurance

When it comes time to get boat insurance, AAA makes the process hassle-free. You can:

• Get a fast quote online or by phone to compare rates
• Find a local AAA agent near you to meet in-person
• Provide details on your boating experience and boat
• Select desired coverage, limits, and deductibles
• Ask any questions you have about coverage
• Receive quick policy activation once approved

Insuring your boat with a leading provider like AAA gives peace of mind on the water. You’ll boat with confidence knowing AAA has you covered before, during, and after any incidents that occur.

So don’t risk taking your boat out uninsured. The costs of repairing a damaged boat or paying medical bills after an accident easily reaches the thousands without insurance.

Protect your investment and avoid personally covering losses by getting boat insurance from AAA today. Their exceptional coverage options, renowned claims service, and discounts make them a top choice for boat owners.

FAQs about AAA Boat Insurance

Still have some questions? Here are answers to common inquiries about AAA boat insurance:

Does AAA insure boats nationwide?

Yes! AAA provides boat insurance for owners across the country. Wherever you and your boat are located, AAA has you covered.

What discounts are offered?

AAA offers discounts for lay-up periods, safety courses, multi-boat coverage, bundling with auto insurance, alarm systems, membership, and more.

Does AAA cover marine accidents and damages?

Yes, AAA boat insurance provides liability, collision, comprehensive, and medical payments coverage for marine accidents.

What should I know when filing a claim?

AAA makes claims easy by assigning you a claims rep to guide you through the process. Have details on what happened and any witnesses or evidence. AAA will investigate and resolve the claim fairly based on coverage purchased.

Does AAA cover boats used for racing or competition?

Standard recreational AAA boat insurance does not cover high-speed racing activities. But they do offer specialty policies for racing boats.

How soon is my boat covered after getting a policy?

AAA boat insurance coverage can start almost immediately once your application is approved. Provide your details to AAA to get a rapid quote today so you can boat with protection as soon as possible.

Set Sail with Confidence with AAA

Hitting the open waters in your boat promises adventure, fun, and freedom. But owning a boat also means taking on significant risks if you don’t have the right insurance. That’s why it pays to insure your boat properly with a trusted provider like AAA.

With boat insurance from AAA, you can enjoy peace of mind knowing you have the coverage you need. Their affordable premiums, renowned claims service, and expert agents make AAA boat insurance hard to beat.

So check out AAA boat insurance quotes and see for yourself the benefits of insuring with one of America’s most respected insurance names. With your boat covered by AAA, you can happily set sail knowing they have you protected on and off the water!