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Boat Insurance Discounts

You love your time on the water. And you’ve worked hard to get where you are. At American Family Insurance, we want to thank you for making smart choices — with great boat insurance discounts to help you save. 

Our discounts typically apply towards your premium and reflect the value of your watercraft plus all the after-market add-ons that make it one of kind. By choosing us to protect your big investment, you can save on great coverage — when you lock in discounts — and hold onto more of your hard-earned money. 

Having the right watercraft insurance can make a big difference when the unexpected happens. And our discounts encourage smart behavior that can help make your time on the water safer. From brushing up on boating smarts to outfitting your boat with extra safety features, your agent can help you discover ways to save with our boat insurance discounts. So be sure to reach out to your American Family Insurance agent today.


How to Save on Boat Insurance

You’ll want to work with your agent to get customized boat insurance coverage. Take a look at these suggestions so you’re ready to hit the ground running when it’s time to explore discounts on watercraft insurance:

  • Make a list of all the boat coverages you want for your watercraft and trailer
  • Locate your title, purchase documents and other receipts for after-market add-ons
  • Consider getting certified and taking a maritime safety training course
  • Your boating premium is based in part on your driving record — enroll in our KnowYourDrive program and land a discount after driving safely for a period of time
  • Review and revise your on-board safety gear
  • Consider a few deductible options — you may be able to lower your boat insurance premium by tweaking your deductible

After you’ve got your paperwork and coverage details in order, it’s time to dive deeper into savings! Look at all the great ways you can save with these discounts on your boating coverage:

Boating safety course discount

Have you completed and passed a boating safety course? Nice work, sailor! Whether online or on the water, that extra training can make you eligible for extra savings. Check in with your agent about how to qualify for this discount.

Boating safety features discount

Keeping your boat safe is an important step in protecting your dreams. Have fire safety equipment installed in your watercraft? Those built-in fire extinguishers may entitle you to additional savings if your boat is equipped with qualifying safety features. Be sure to review your onboard fire suppression systems with your agent.

Insurance payment discounts

Streamlining your payment habits has its rewards when you take advantage of our Auto Pay, full pay and paperless discounts.

Customer full pay discount

It pays to pay in full! In certain states, you could get a discount if you pay your policy premium in full at the beginning of a term.

Multi-policy discount

When you bundle your policies and protect more than one dream with us, you’re not only saving time and reducing hassle, but saving money. Get a bundled insurance quote to find out how much you can save with a multi-policy discount.

Learn More About Boat Insurance Discounts

Curious about these and other discounts? Your American Family Insurance agent can help you find every possible way to save. Get in touch with your agent today. And remember to also check out our auto, home and renters insurance discounts for additional savings.