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Boat & Personal Watercraft Insurance

Your boat or personal watercraft is your escape – a way to enjoy sailing, fishing, or simply cruising. Add to your peace of mind out on the water with boat or watercraft protection through the AARP Auto and Homeowners Insurance Program.

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What The Hartford Covers

The AARP® Auto and Homeowners Insurance Program from The Hartford1 offers coverage for:

  • Boats up to 50 feet and up to $250,000 in value
  • Personal watercraft (PWCs)
  • Trailers

Helping You Save

To help make boat and watercraft insurance even more affordable, The Hartford offers several discounts, including:

  • Bundling Discount – For insuring your auto or home together with your boat.
  • Association Discount – If you belong to a boating or watercraft club, or association.
  • Safety Equipment Discount – If your boat or watercraft is equipped with a VHF radio, RDF or Loran, and/or Radar.
  • Safety Training Discount – If you’ve completed a Power Squadron or Coast Guard boating course in the past 36 months.

Availability of credits and discounts may vary by state.

Getting More for Your Money

Boat coverage from The Hartford comes with benefits you might not find with other companies such as 12-month rate protection and Lifetime Renewability†.

It also includes coverages specific to boats and watercraft, including:

  • Seasonal Use protection
  • Hull Coverage
  • Water Sports Liability protection
  • Towing and Labor

You may also purchase optional protection for trailers, personal effects, and customized equipment.

Availability of coverages, benefits and features may vary by state.

Claims Service You Can Count On.

With the AARP Auto Insurance Program, you can count on exceptional claims service including a 24/7 Claims Hotline and claims representatives who specialize in boats and personal watercraft.

Want to Get in Touch?

AARP® Auto and Homeowners Insurance Program

Phone: 1-888-489-8631

Monday – Friday: 7:00 am - 11:00 pm (EST)
Saturday & Sunday: 8:00 am - 6:00 pm (EST)

† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary operators of your recreation vehicle/watercraft must retain valid licenses (if applicable), remain physically and mentally capable of operating a recreation vehicle/watercraft, have no convictions for operating a recreation vehicle, watercraft, machinery or aircraft while under the influence of drugs or alcohol, and must not have obtained your policy through material misrepresentation. Benefit currently not available in all states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company. In Michigan, the Auto Program is underwritten by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford, including recreation vehicles and watercraft, is provided by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In Washington, the Home Program, including coverage for recreational vehicles and watercraft, is underwritten by Property and Casualty Insurance Company of Hartford. In Michigan, the Home Program is underwritten by Trumbull Insurance Company. In California, coverage for recreational vehicles and watercraft is underwritten by Hartford Underwriters Insurance Company, NAIC Company No. 30104, Group No. 091. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP's intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. In Texas, the Home Program, including recreation vehicles and watercraft, is underwritten by Trumbull Insurance Company.