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
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