Boat Insurance USAA 2024 Premium

I’d be happy to help you further with exploring USAA boat insurance in 2024! While I still can’t offer specific quotes due to the various factors involved, I can provide you with some refined information based on your previous questions:

USAA Boat Insurance Coverage:

  • Standard Watercraft: This policy covers boats valued under $150,000 and includes coverage for:
    • Physical damage: To your boat, motor, and trailer from collisions, weather, theft, and other covered perils.
    • Liability: For injuries or property damage you cause to others while boating.
    • Medical payments: For injuries sustained by you or your passengers on your boat.
    • Other optional coverages: Towing, salvage, pollution cleanup, and more.
  • Yachts and Boats Over $150,000: This specialized policy offers enhanced coverage for larger vessels, including:
    • Agreed value protection: Ensures you receive the full agreed-upon value of your boat in case of a total loss.
    • Emergency services: Provides assistance with towing, fuel delivery, and other needs while on the water.
    • Additional customization options: Tailored coverage based on your specific yacht’s features and usage.

Getting a Quote:

  • Online: Visit USAA Boat Insurance: Be sure to choose the appropriate policy based on your boat’s value.
  • Phone: Call USAA at 1-800-531-USAA (8722) to speak with a representative and discuss your needs in detail.

Factors Affecting Your Premium:

  • Boat details: Type, value, length, age, condition, location of primary use.
  • Your profile: Boating experience, claims history, credit score, location of residence.
  • Coverage options: Deductible level, liability limits, additional coverages chosen.


  • Safe boating completion courses
  • Multi-policy discounts for combining boat insurance with other USAA policies
  • Military service discounts for eligible personnel
  • Layup discounts for storing your boat during off-season

Additional Resources:


  • Comparing quotes from multiple providers is crucial to finding the best coverage and price.
  • USAA membership is required for obtaining boat insurance.

I hope this information is helpful! Feel free to ask if you have any further questions about specific aspects of USAA boat insurance or the factors affecting your premium.