Personal Watercraft Insurance, Boat Coverages
Question: Is my boat covered under my auto or homeowner’s policy?
Answer: Generally auto or home insurance does not provide you with the right coverage on your boat or personal watercraft. Most homeowner’s insurance policies have size restrictions, as well as limitations on horsepower, and damage coverage. Exact coverage limits vary by state, underwriting company, and contract. Typically, if you do not have a separate boat insurance policy, you are normally under-insured.
