Safeco Boat And Watercraft Insurance Reviews 2023

Call the Safeco insurance phone number at (877) 857-9519 to start your boat or watercraft quote.

Licensed Safeco insurance agents are available 7 days a week during these hours (Eastern time):

Every personal watercraft owner is always looking for something that suits them and their needs. This typically means that one plan does not fit all, and some tweaks are required. This is exactly what Safeco has done with the boat insurance they offer.

However, every package they offer includes the following; Safeco offers the following boat and watercraft insurance coverage types:

• Fuel Spill & Wreckage Removal - This coverage will help with the removal of fuel spills and wreckage with the limits of policy liability.
• Cruise Without Restrictions - This coverage allows you to sail in inland waterways of the US and Canada. It also allows you to sail up to 75 miles off the coast, which goes up to 90 miles in California.

The average cost of Safeco's boat and watercraft insurance policies ranges from $12 to over $49 per month, and is mainly based on your zip code, drivers ages, type of bikes driven, coverages chosen, Motor vehicle records and claims history.

Safeco boat and personal watercraft insurance offers coverage fir theft, damage, and liability in case of an accident or injury experienced while using your boat. It can also protect you against damage or injury caused by another boater who may be uninsured or underinsured.

Also if you get a loan or financing to pay for your boat, your bank will most likely require you to have boat coverage:

Safeco insures many different types of boats:

• Pleasure-use boats that are in good, or better, condition.
• Run abouts, cabin & cuddy cruisers, bass & fishing boats, power boats, pontoon boats, sail boats, jet skis & jet boats, bow riders and more.
• Maximum allowable speed is 85 miles-per-hour for fishing/bass boats and 65 miles-per-hour for all other boats.
• In most states, Safeco's maximum length is 40' and our maximum value is $350,000.

It's important to note that Safeco insures sailboats used for racing, but not powerboats designed or used for racing.

Examples of ineligible boats include:

• Off-shore-style power boats, whether V-hull or catamaran hull.
• Exposed-engine boats.
• Watercraft with three or more outboard motors.

Safeco offers many ways to save your boat and watercraft insurance:

1. Save 15% on your premiums when you complete a boating safety course offered by the Coast Guard Auxiliary or U.S. Power Squadron.
2. Having a boat with a diesel engine.
3. Owning a home.
4. carrying multiple policies with Safeco.
5. Having more than five years of boating experience.
6. More discounts might be available depending on your situation.

Yes. Safeco has the money and reserves to pay it's boat and watercraft claims. Safeco Insurance is owned by the Liberty Mutual Group, which is very financial stable.

Liberty Mutual Insurance has financial strength ratings of "A" or "Strong" from Standard & Poor's, an "A2" or "Good" from Moody's, and an "A" or "Excellent" rating with A.M. Best. Liberty Mutual is ranked in the top 100 largest U.S. Corporations according to Fortune.

Following are some Safeco boat and watercraft insurance reviews online:

Better Business Bureau

The Better Business Bureau says Safeco offers: Car Insurance, Motorcycle Insurance, Personal Liability Protection, Homeowners Insurance, Renters Insurance, Condominium Insurance, Flood Insurance, Identity Fraud Expense Coverage & Life Insurance.

Overall the BBB rates Safeco A+. It does reference that Liberty Mutual is the parent company.