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Getting boat insurance is a no-brainer—especially if you “share your boat” with the bank. Boat insurance is a great way to protect your investment. Just as investing in safety is a great way to protect yourself, your family, and the good times you have out on the water.

Whether you’re driving a speed boat, piloting a pontoon, fishing from a bass boat, or skimming along in a hovercraft, a day on the water is a day in paradise for many Americans. But according to the U.S. Coast Guard a good day can go bad quickly when a passenger falls overboard, a boat capsizes, or it collides with another boat or object.

Here are a few tips to help make sure your days on the water are all good ones:

A common misconception boat owners have is that their boat, trailer, and onboard items are automatically covered, either by an existing homeowner’s insurance policy or auto insurance policy. But the truth is that most homeowner or auto policies don't cover physical damage, liability, or theft when your boat's on the water. Make sure you have a clear understanding of where you’re covered and where you may need additional protection.

Watercraft insurance policies provided through AAA cover various types of watercraft: powerboat, sport-fisher, sailboat, mid-performance boat, high-performance boat, bass boat, pontoon boat, ski boat, hovercraft, trawler, houseboat, airboat, and personal watercraft. Discounts on watercraft insurance policies may also be offered based on watercraft ownership experience.

Talk to an agent today for boat insurance that suits your needs.

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This site serves residents of the AAA Club Alliance service area which includes Greater Hartford, CT Area, Cincinnati Tri-State Area, Miami County, OH, Greater Dayton, OH Area, Northwest Ohio, AAA Blue Grass & Bluefield Regions, Southern West Virginia, Kansas, Oklahoma, South Dakota, Delaware, Maryland, Washington DC, and parts of Virginia, Pennsylvania and New Jersey. Write Us: AAA Club Alliance, One River Place, Wilmington, DE 19801