Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Safeco Boaters Insurance Review
Safeco Boaters Insurance is an insurance carrier with headquarters in Seattle, WA. The company was established in 1923 and offers boat insurance in 50 states (and Washington, DC).
Safeco Boaters Insurance FAQ
What types of boat insurance coverage does Safeco Boaters Insurance offer?
Although we often talk about boat insurance in the singular, it really includes several types of coverage. Safeco Boaters Insurance offers the following types of coverage:
- Fuel Spill Clean-Up: Protects you from cleanup claims or third-party damage caused by the accidental discharge of oil or fuel.
- Water Sports Coverage: A must for boat owners who plant to use their vessel for water skiing, wakeboarding, and other water sports
- 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.
Safeco 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.
- Transport Trailer Coverage: This covers non-motorized trailers used to tow your boat. If the trailer is damaged or causes damage, this policy will cover the costs and tow your boat.
What benefits does Safeco Boaters Insurance offer?
Safeco Boaters Insurance offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
What discounts can you ask for when applying for a policy with Safeco Boaters Insurance?
When you ask for a quote with Safeco 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 Safeco Boaters Insurance.
What is the financial strength rating of Safeco 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.
Safeco Boaters Insurance scores an A or excellent, which is SuperMoney's second highest available score.
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 Safeco Boaters Insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
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Safeco Boaters Insurance Community Reviews
Would you recommend Safeco Boaters Insurance to your friends?
U
Anonymous
May 2, 2015
May or may not recommend
Customer service was great. The person on the phone was very courteous, but when you issue my insurance card the make and model of my boat was always wrong. Tried to fix 3 times and gave up and now it just says "other" on my insurance card. Time to update your drop down menu for boat manufacturers and their models.
U
Anonymous
May 2, 2015
May or may not recommend
Customer service was great. The person on the phone was very courteous, but when you issue my insurance card the make and model of my boat was always wrong. Tried to fix 3 times and gave up and now it just says "other" on my insurance card. Time to update your drop down menu for boat manufacturers and their models.
U
Anonymous
Mar 11, 2015
May or may not recommend
Cheap premiums equal cheap insurance. We initially got Safeco for our personal boat, right when we purchased it a year ago. Another boat lightly tapped our front, and there was a little dent. Well, enough of a dent to be noticeable. We contacted Safeco and they stated unless it was enough to cause significant damage to the boat, they didn't cover it. I guess that's what you get, not even ...Show More
U
Anonymous
Mar 11, 2015
May or may not recommend
The Customer Service department at Safeco must not exist. I have boaters insurance through them, that I recently got about a year ago. Applying went alright, and I didn't have problems after that. I had slight damage on my boat, and wanted to check and see if a claim would cover the costs to repair it. It was nothing major, but I wanted to check. I called for weeks, and ...Show More
Showing 4 of 4 reviews