Personal Watercraft Insurance, Do Not Rely on Homeowners Insurance When it Comes to Your PWC
You may think your homeowners policy covers your vessel, however it typically does not. And when a homeowners insurance policy does offer coverage, it is usually limited to small boats like canoes and small sailboats or small power boats with less than 25-mph horsepower. The property coverage limit that can be as low as $1,000. Liability coverage for a boat is typically not included at all under a standard homeowners policy.
Which is why a separate boat insurance policy, with watercraft liability coverage, may make sense for you to be better covered. After all, you have invested time and money into your boat — putting the right insurance in place may help protect you and your investment against the risks out on those busy waterways.
