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At American National Property And Casualty Company (ANPAC®), we offer a comprehensive watercraft policy that shelters your boat while offering you and your family valuable protection. Our flexible policy allows you to choose the amount of coverage that's right for you while offering money-saving discounts and convenient payment options.


Your peace of mind is our goal with ANPAC's Safe Harbor Program. We offer protection for your boat, motor, boat trailer, plus any added equipment and accessories. Our comprehensive plan covers:


  • Loss or damage to watercraft
  • Replacement cost on the motor
  • Liability for bodily injury or property damage
  • Personal property protection
  • Emergency service coverage
  • Wreck removal
  • Medical expenses including guests
  • Coastal water coverage (75 miles from coastline)

Discounts for the safe watercraft owner are also available through ANPAC. Take advantage of incredible savings when you insure your watercraft with the Safe Harbor Program.


Claim Free Discount - Enjoy a 5% to 20% discount on your premiums if you are claim-free for a given period of three to six years.


Multiple Watercraft Discount - If you insure more than one watercraft with ANPAC, you can take an additional 15% off your premiums.


Safety Course Discount - If you have completed a recognized water safety course, you can take an additional 10% off your premiums.


Multiple Line Discount - You can save up to 20% on your watercraft premium if you also insure your auto, home, and/or life with American National.


Financial GAP Coverage is another great coverage provided by ANPAC's Safe Harbor Program. GAP Coverage simply means we cover the difference between the actual cash value of the watercraft and the loan balance at the time of loss.


ANPAC will cover you for up to $10,000 in the event you owe more than the actual cash value of the boat.


We help you through the rough waters of a possible loss by offering a variety of extended coverage options on accessories, liability, and towing. You choose the amount of protection you need for you and your family. Call us today and see how our flexible policy can be your lifestyle preserver.


ANPAC's Safe Harbor Program offers coverage for most types of watercraft including:


  • Personal Watercraft (PWC)
  • Runabouts
  • Pontoons and Houseboats
  • Sailboats
  • Bass and Fishing Boats
  • Canoes and Rowboats
  • Performance Boats
  • Cabin Cruiser