Relying on Your Homeowners Policy For Your PWC Can Be A Big Mistake.
Although many people may think that their homeowners insurance policy covers their personal watercraft, they typically do 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 limits can be as low as $1,000, and liability coverage for a boat is typically not included at all under a standard homeowners policy.
That is why a separate boat insurance policy, with watercraft liability coverage, may make sense for you. 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.
