Boats are insured under their own policies, with conditions that depend on where and how the boat is used.
What it generally covers
- Hull and machinery
- Liability
- Medical payments
- Towing and salvage, per policy
Where gaps often hide
- Navigation limits and named-storm conditions
- Hurricane-season haul-out or tie-down requirements
- Survey requirements for older or larger vessels
Questions worth asking
- Where is my boat covered, and what are the storm conditions?
- Is a survey required?
- How does my umbrella apply to the boat?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.