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Rating: 8.4 / 10 (Excellent)
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Founded in 1988, the United States Power Squadron (USPS) Boat Insurance Program is a USPS members-only insurance company, which offers exceptional boat insurance coverage and benefits through three insurance providers that carry superior A.M. Best ratings. It is administered by McGriff, Seibels & Williams, Inc.
 
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How Do We Rate USPS?

Breakdown

4.5/5
Coverage & Benefits
0.0/5
Discounts
4.5/5
Customer Experience
4.0/5
Financial Strength & Reputation

Our Overall Rating: 4.2 / 5 (Excellent)

USPS Boat Insurance is an exceptional provider of boat insurance coverages and benefits; however, it limits its program to members of the United States Power Squadrons (USPS). It offers automatic coverage on fuel spills and immediate waterskiing coverage, which is typically sold as an add-on through other carriers. The website provides concise and easy to understand information without any fluff, making it much more informative than aesthetically pleasing. Further consolidating its place as a top boat insurance provider is the fact that the program works with three highly-rated underwriters, all of which carry superior A.M. Best ratings.

USPS Coverage & Benefits

Coverage & Benefits - 4.5 / 5

USPS boat insurance offers excellent coverage and discounts to its members, including all-risk coverage, hurricane safe harbor reimbursement, an automatic $854,000 liability coverage for oil spills and pollution, automatic coverage for waterskiing, simplified navigation areas including coverage in Bermuda and Mexico, a free $1,500 personal effect coverage, and more.
Policy Type
Agreed Value
Coverages
Comprehensive
Collision
Bodily Injury Liability
Property Damage Liability
Medical Payments
Uninsured/Underinsured Boater
Personal Effects
Discounts
Full-Pay
Automatic Payments
Benefits
Fuel-Spill Liability

USPS Customer Experience

Customer Experience - 4.5 / 5

USPS prides itself on working with knowledgeable boat insurance providers. It offers free quotes, 24/7 claims processing, a flexible payment option, same day coverage binding, and direct billing. Its website has a significant amount of promotional and educational material, hurricane preparedness resources, and boating safety links.
Online Quotes
24/7 Claims

USPS Financial Strength & Reputation

Financial Strength & Reputation - 4 / 5

USPS works with three boat insurance providers, including American Modern Insurance Group, from which we have gathered financial strength ratings and data on direct premiums earned. The underwriter has an A.M. Best rating of A+ as well as a BBB rating of A+, and it earned $536,046,534 in direct premiums in 2017.
Company Type
Marketplace
Year Founded
1988
NAIC Direct Premiums Earned (2017)
$536,046,534
AM Best Financial Rating
A+
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
2
Date Collected
2018-04-16

Company Profile

Full Name
USPS Boat Insurance Boat Insurance
Company Website
https://www.uspsboatinsurance.com/
Headquarters
P.O. Box 10265, Birmingham, AL, 35202
Top Rated
Our Partner
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  • Agreed Hull Value Replaces Your Boat, Engine & Gear
  • Liability‑Only Option Includes Salvage, Medical, Fuel Spill Aid
  • Unlimited Towing & Roadside Help 
  • Membership Unlocks Fuel, Marina & Repair Discounts
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