USAA, renowned for its exceptional service to military members and their families, does indeed offer boat insurance. However, it’s important to understand how USAA provides this coverage.
USAA’s Partnership with Progressive and Markel American Insurance Company
While USAA doesn’t underwrite boat insurance policies directly, they have established strategic partnerships with Progressive and Markel American Insurance Company to offer comprehensive coverage to their members. This means that when you purchase boat insurance through USAA, you’re actually getting a policy underwritten by one of these two companies.
Features of USAA Boat Insurance
USAA’s boat insurance, underwritten by its partners, provides a robust package of coverage options. Here’s a breakdown:
- Comprehensive Coverage: Protects your boat against various perils, including theft, vandalism, fire, and natural disasters.
- Liability Protection: Covers bodily injury or property damage caused by your boat to others.
- Medical Payments Coverage: Helps pay for medical expenses for you and your passengers in case of an accident.
- Uninsured Boater Coverage: Provides protection if you’re involved in an accident with an uninsured boater.
- Physical Damage Coverage: Covers damage to your boat, trailer, and equipment.
- Optional Coverages: Additional protection for specific needs, such as personal belongings, fishing equipment, and water sports equipment.
Integrations
While USAA doesn’t offer specific integrations for its boat insurance, it seamlessly integrates with its other financial services. This means you can potentially bundle your boat insurance with your home, auto, or life insurance policies for potential discounts.
Pricing
The cost of USAA boat insurance can vary based on several factors, including:
- Boat type and size: Larger boats with higher horsepower generally have higher premiums.
- Boat value: The value of your boat will impact the cost of coverage.
- Your boating experience: Experienced boaters often qualify for discounts.
- Location: Geographical factors, such as hurricane zones, can influence premiums.
- Deductible: Choosing a higher deductible can lower your premium.
It’s essential to get a quote from USAA to determine the exact cost of your boat insurance policy.
Free Trial and Demo
Unfortunately, USAA doesn’t offer a free trial or demo for its boat insurance. However, you can get a quote online or by contacting a USAA agent to understand the coverage options and pricing.

Advantages of USAA Boat Insurance
- Strong Reputation: USAA is known for its exceptional customer service and financial stability.
- Potential Discounts: You may qualify for discounts if you bundle your boat insurance with other USAA policies.
- Customizable Coverage: You can tailor your policy to meet your specific needs.
- Access to USAA Network: Enjoy the benefits of being a USAA member, including access to their network of financial services.
Disadvantages of USAA Boat Insurance
- Limited Direct Control: As USAA partners with other insurers, you may have less direct control over policy details.
- Availability: USAA membership is required to obtain boat insurance through their partnership.
Understanding the Process
To get a boat insurance quote from USAA, you’ll typically need to provide the following information:
- Boat details: Type, size, age, and value.
- Your boating experience: Number of years boating, any accidents or claims.
- Location: Where the boat is stored and primarily used.
- Coverage preferences: The level of coverage you desire.
Steps to Get a Quote
- Visit the USAA Website: Head over to the USAA website and navigate to the boat insurance section.
- Start a Quote: Begin the online quote process by providing the required information about you and your boat.
- Review Coverage Options: USAA offers various coverage levels. Choose the one that best suits your needs.
- Get Your Quote: Once you’ve completed the process, you’ll receive a quote outlining the potential cost of your boat insurance.
Tips for Getting the Best Rate
- Bundle Your Policies: Combining your boat insurance with other USAA policies, like auto or home insurance, can often lead to discounts.
- Improve Your Boating Safety Record: Taking boating safety courses or having a clean boating record can positively impact your premium.
- Consider Deductibles: Choosing a higher deductible can lower your monthly premium.
- Shop Around: While USAA offers competitive rates, it’s always a good idea to compare quotes from other insurers to ensure you’re getting the best deal.
Additional Considerations
- USAA Membership: Remember, you need to be a USAA member to qualify for their boat insurance.
- Contact an Agent: If you prefer personal assistance, you can contact a USAA insurance agent to get a quote and discuss your options.
Conclusion
USAA offers a solid boat insurance option through its partnerships with Progressive and Markel American Insurance Company. While it doesn’t provide direct underwriting, members benefit from USAA’s reputation for excellent service and potential cost savings. If you’re a USAA member looking for boat insurance, it’s definitely worth exploring their options.
By following these steps and considering the tips provided, you can obtain a USAA boat insurance quote that meets your needs and budget.