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Last Updated: 04/18/2025

AAA Boaters Insurance

in Boaters Insurance from AAA

Last Updated: 04/18/2025

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Highlights

Financial Strength Rating

A+(Verified 04/18/2025)

AAA Boaters Insurance Review

AAA Boaters Insurance is an insurance carrier with headquarters in Livonia, MI. The company was established in 1902 and offers boat insurance in 50 states (and Washington, DC).

AAA Boaters Insurance FAQ

What types of boat insurance coverage does AAA Boaters Insurance offer?

Although we often talk about boat insurance in the singular, it really includes several types of coverage. AAA Boaters Insurance offers the following types of coverage:

Salvage/Wreckage Removal: Some standard insurance policies will subtract salvage costs from the insured value of the boat or only offer a small percentage of the coverage amount for salvage. This endorsement protects from the specific costs and liability that go with a wreckage or salvage.

AAA Boaters Insurance also provides access to the following endorsements:

Fishing Equipment and Carry-On Items: Add replacement coverage for fishing rods, reels, and tackle boxes. You can also add personal effects coverage for items you carry on your boat, such as phones and SCUBA gear. Items are covered if they’re damaged, stolen or fall off your boat.

Total Loss Replacement: If it's a total loss, this policy will pay you based on the agreed value, actual cash value or the replacement cost value.

What benefits does AAA Boaters Insurance offer?

AAA Boaters Insurance offers the following benefits to its customers:

24/7 Phone Availability: Customer service is staffed around the clock.

Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What discounts can you ask for when applying for a policy with AAA Boaters Insurance?

When you ask for a quote with AAA Boaters Insurance, make sure you ask for all the discounts you qualify for. These are the discounts you can claim that are specific to boat insurance.

Diesel Engines: If your boat has diesel engines, you can request a deduction, particularly from your physical damage coverage.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with AAA Boaters Insurance.

What is the financial strength rating of AAA Boaters Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score of available ratings.

AAA Boaters Insurance scores an A+, SuperMoney's highest available rating.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from AAA Boaters Insurance

Protect your watercraft investment year-round—whether on land or water—with boat insurance through AAA. Boat Safety: If your boat is equipped with a diesel-powered primary motor, permanently installed automatic fire extinguishers, or a fume or CO2 detector, a discount is available. Idle Assisted Steering: If your personal watercraft is equipped with idle assisted steering, special savings are available. Loyalty: Discount on all insured boats (including personal watercraft) at renewal.

Multiple Products: Discounts are available for maintaining an active Auto, Specialty Vehicle, Homeowners, Condominium or Renters policy through AAA. Multiple Boat: A discount is available for having two or more watercraft on the same policy. Payment in Full: If you choose the Paid-In-Full option, a discount in your insurance premium is available. Good Operator: Reduced rates are available for those who are claim and violation free on both their auto and boat. Safe Boater: A discount is available for each driver who has successfully completed an approved boat safety course. Original Owner: If you’re the only person who has owned your boat, a discount is available. Prior Insurance Status: A discount is available based upon the status of prior insurance coverage.

Contact

Headquarters

17900 N. Laurel Park Dr.

Livonia, MI 48152

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 7:00PM

Tuesday

8:00AM - 7:00PM

Wednesday

8:00AM - 7:00PM

Thursday

8:00AM - 7:00PM

Friday

8:00AM - 7:00PM

Saturday

8:00AM - 5:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.