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Safe Harbor Program from ANPAC®

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 an ANPAC representative 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 Cruisers




American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.