Most homeowners insurance policies have strict limitations on which kinds of boats they will cover. Please read your policy carefully to make sure your boat is covered. If you need watercraft insurance, call our office and we can provide you with options.
A watercraft or boat policy covers you for liability if someone is injured on your craft and gives you the choice between replacement cost or cash value in a total loss.Watercraft coverage also includes coverage for bodily injury that your boat causes to others, property damage your boat causes to docks and other boats, and physical damage to your boat should you hit something or run aground.
A few reminders about watercraft insurance
- Most watercraft over 26 feet need a separate policy
- If you own a trailer you will need to also make sure that is insured
- If you are hauling your boat and it is damaged, your auto policy will provide coverage. Remember the limitation on your auto policy will apply.
- Watercraft or boat insurance coverage most waterways, lake, and rivers. However, some may be excluded. Check with our office.
- A boat policy will not cover loss of life, bodily injury or property damage that occurs when the watercraft is being transported on land.
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