Boat insurance is one of those essential ingredients that you need in order to have peace of mind when you own your prized possession on the water.
And if you’re like most average folks in the USA, you may ask “Does USAA do boat insurance?” And the answer to that question is a solid yes.
And in this guide, we’re going to walk you through everything that you need to know about USAA boat insurance including its availability, coverage options, benefits and more.
Let’s get to those questions now so you can get back on the water as soon as possible.
What Is USAA Boat Insurance Coverage?
The question may be, “Does USAA offer boat insurance?” But what may not be apparent if they do, is what is covered. USAA boat insurance covers any type of boat from a small fishing boat to a large yacht.
The types of coverage include:
Coverage For Physical Damage
USAA boat insurance covers physical damage to the boat. This coverage includes accidents such as collisions, theft, vandalism, fire, and windstorm. If your boat suffers damage on the water or while being transported on a trailer, USAA coverage follows the boat.
This is probably the most important coverage since you have made a large investment in your boat and something unexpected could occur causing costly repairs.
Coverage For Liability
USAA boat insurance liability coverage protects you if your actions cause an accident injuring another person or damaging their property. This includes attorney fees and settlement charges which in the case of a major accident could be quite high.
Without liability coverage from USAA, you could find yourself in a situation where you are strained financially because of an accident. This coverage offers peace of mind when navigating the waters.
Coverage For Medical Payments
Medical payments covers the cost of medical treatment for injuries to the insured and passengers in the event of a boating accident. This includes costs and damages for hospitalization, medical care, and other related expenses.
Whether you or your passengers suffer minor cuts and scrapes or more serious injuries, USAA medical payments coverage will pay the medical expenses so you can get the treatment needed without worry.
Coverage For Uninsured Boaters
A critical aspect of USAA boat insurance policy is uninsured boater coverage. This coverage would apply in the event you were in an accident with another boater who doesn’t have insurance or has insufficient insurance to cover the damages.
Since not every boater has the required insurance for their boat, you could be left handling the financial strain of accidents with uninsured boaters. USAA uninsured boater coverage will protect you and your boat against financial liabilities for medical payments and other damages.
Why USAA Boat Insurance?
There are many reasons to choose USAA for boat insurance. If you find yourself asking, “Does USAA offer boat insurance?” you likely want to know what makes this provider stand out from the rest. Here are some of the key advantages of going with USAA:
Quality Service
USAA offers excellent customer service. Members rave about the promptness, professionalism, and helpfulness of the company’s staff.
If you have questions about your policy, need to file a claim, or want to make changes to your coverage, USAA’s representatives are readily accessible and willing to walk you through the process.
This high level of customer service makes the boating owner’s experience smooth and hassle-free.
Affordable Premiums
USAA’s boat insurance policies feature some of the most affordable premiums on the market today. Through a combination of its vast experience and streamlined operations, USAA is able to charge low rates without sacrificing the quality of its coverage.
This is great news for the average boat owner who wants thorough protection without spending too much money. USAA also provides various discounts based on multiple policies, boating record, and boating safety courses.
Customizable Policies
At USAA, no two applicants are exactly alike. That’s why the company provides highly customizable boat insurance policies to help you find the exact type of coverage you need.
Whether you own a modest fishing vessel or a lavish yacht, USAA will work with you to ensure that your policy fits your circumstances. This customization allows you to enjoy optimal protection without paying for unwanted add-ons.
Strength and Stability
USAA is a strong and stable insurance company that can and will pay its claims. This is an important consideration when choosing a provider, as it guarantees that you will eventually receive all of the compensation you are entitled to under your policy.
USAA has established a reputation for reliability and underlying financial strength. This gives the average boat owner peace of mind knowing that his or her insurance provider is rock solid and ready to handle any task that comes along.
How to Get a Boat Insurance Quote from USAA
USAA boat insurance quotes are easy to obtain. If you want to pursue a boat insurance quote with USAA, you should take the following steps to qualify for a quote:
Gather Your Boat Information
You need to collect some information about the boat you wish to insure before you begin the process of getting a quote. Some of the key details you need to have include the make, model, year and value of the boat as well as any aftermarket equipment or upgrades.
With this details at hand, you will find it easier and quicker to get a quote for your boat.
Contact USAA
You can get a quote by calling USAA or by visiting their website. If you want to talk to an agent, call the customer service number and USAA boat insurance representative will answer and walk you through the process.
However, if you want to use the online quoting tool, you should visit USAA website and input your boat details to get a quote in minutes.
Provide Personal Information
Requesting a quote requires you to provide personal details about yourself. This includes your name, address, phone numbers and boating details. USAA uses the personal details to customize the quote to fit your situation and circumstances.
This also helps the company to provide the most accurate and suitable coverage for you.
Review and Customize Your Quote
After obtaining your quote, you need to go through it and understand its contents. USAA will give you a full description of the coverage and limits as well as the premium.
You should take time to look at each aspect of the quote and consider other coverage options that may work for you. If you have queries or need to modify your quote, you can ask the USAA representative to help you customize your policy.
Finalize Your Policy
You can finalize your policy after reviewing and customizing your quote. USAA will walk you through the documentation and payment arrangement process.
After completing the process, you can enjoy the coverage that your boat insurance policy offers.
Tips for Maximizing Your USAA Boat Insurance
Here are some things you can do to maximize your USAA boat insurance policy:
Review Your Coverage
A good rule of thumb is to review your coverage whenever there is a change in your boating needs. Have you traded in your boat for a newer model? Have you added accessories or equipment to your boat?
Do you now use your boat less or more than you did previously? Changes in your personal boating practices or equipment could mean you have inadequate or excessive coverage.
Also, by reviewing your coverage with your agent annually you can learn about any new discounts or options that may be available under your USAA boat insurance policy.
Consider Boating Safety Courses
Boating safety courses can help you develop safe and happy boating habits as well as save you money. USAA boat insurance policyholders who successfully complete an accredited boating safety course are eligible for a discount on their policy.
These courses teach about navigation, emergencies and safe boating practices.
Boating Record
Like your driving record, you’ll benefit from a good boating record. Tickets, accidents and violations are a factor in the cost of your insurance. By observing safe boating practices, you can avoid tickets and accidents and lower your costs.
USAA offers incentives and discounts to their policyholders for maintaining a good driving and boating record.
Multi-Policy Discounts
Do you have an auto or home insurance policy with USAA? Then you could save money by bundling your auto, home and boat insurance policies.
When you insure more than one vessel or boat with USAA, you will qualify for a multi-policy discount.
Use USAA Resources
USAA offers many resources to help their policyholders. By taking advantage of USAA’s educational programs, online tools and customer service, you can learn more about boat insurance and the coverage you have with your USAA policy.
These resources can help you identify your options and make informed decisions when it comes to insuring your vessel or boat.
Conclusion
In the end, it’s worth asking the question, “Does USAA do boat insurance?” USAA does indeed offer boat insurance coverage to their members. Physical damage coverage, liability protection, medical payments coverage, and uninsured boater coverage is available with USAA’s boat insurance.
You’ll be hard pressed to find better customer service at a lower rate with more options to tailor your specific coverage needs and with greater financial security than what USAA offers.
Follow the steps to get a quote for boat insurance and maximize your current policy and you’ll have peace of mind knowing that you’ll enjoy a worry-free time on the water.
Trust USAA to provide you the reliable boat insurance coverage you need to protect your most valuable asset – your boat.
