Insurance Products

Boat Insurance Coverage

Boating makes it possible to realize your dreams of freedom, relaxation and getting the most out of life. American Family Insurance will protect your dreamboat, whether it’s a kayak, sailboat or some other type of watercraft. Here’s a glimpse of our boat insurance.

Contact an agent to get a boat insurance quote.

Bass boat

Boat Property Protection

In the water, in transit or in storage, your boat, including manufacturer’s installed equipment and outboard motor, is protected against most accidental damage or losses.

For sailboats, our policy covers sails, spars and rigging. American Family boat insurance policies also cover:

  • Emergency Services
  • Protective Repairs
  • Recovery
  • Hurricane Emergency Removal Coverage (only in Georgia)

You automatically receive up to $1,000 per item and $3,000 total to cover boating equipment, including accessories of the insured watercraft that are not installed by the manufacturer. Additional coverage may also be purchased.

Two people fishing

Boat Insurance Liability Coverage

Our boat insurance coverage can give you peace of mind by helping protect you and others using your watercraft from bodily injury liability and property damage liability.

Our supplementary protection includes the following at no additional cost:

  • Named Additional Insured
  • Claim and Defense Expenses
  • Emergency First Aid
  • Pollution Damage (only in Georgia and Washington)

People in a red canoe

Additional Coverage Options

To meet your unique needs, American Family Insurance offers two optional boat insurance endorsements. One covers personal effects, clothing and fishing equipment. The other provides repair cost coverage for partial losses to your watercraft and boating equipment for a covered loss, without deduction for depreciation, within policy limits.

Underinsured and uninsured boater coverage, and coverage of the agreed value limit you select for your watercraft in the event of a covered total loss, are available in Georgia and Washington.

Sail boat near land

Save Money with Our Discounts

American Family Insurance can help you save money through insurance discounts. As a boat owner, you may qualify for a safety course credit or an equipment safety credit.

We also offer insurance discounts on other lines to help you keep more money in your pocket.

Availability and eligibility vary by state and policy terms.

Two kayaks on a river

Claims Coverage

You're never far away from someone who can help. If you need to make a claim, you'll have access to:

  • A local insurance agent who knows you
  • A claims specialist who's ready to step in and smooth things out
  • An online option for submitting your claim
  • 24/7 phone support to keep your claim moving

Large yacht on lake

Additional Resources

We want to keep you safe and help protect your boating dreams. Get more information from our boat insurance brochure (PDF).

Also, learn about boating safety and other useful topics in the American Family Insurance Learning Center.

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Discuss Your Needs

Discuss Your needs with an American Family local agent.

With American Family Insurance, we make your insurance experience easy and convenient and ensure there are no unwelcome surprises -- especially in your time of need.

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