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Home > Blog > Will My Homeowners Insurance Cover My Boat?
MONDAY, JUNE 6, 2022

Will My Homeowners Insurance Cover My Boat?

While you can cover your boat with your homeowners insurance or renters insurance, you’ll find certain limitations regarding the size and value of your boat. The homeowners policy may cover some smaller watercrafts like paddle boats, canoes, and kayaks with lower horsepower, but won’t be enough to cover larger and more powerful motorized watercraft.  Meaning, the homeowners policy won’t cover boats for more than $1000 - $2000.

Your homeowners policy will also only cover your boat if it’s damaged while it’s within your property. Furthermore, liability coverage isn’t included in the standard policy and needs to be added as an endorsement.  Most homeowners insurance policies also limit coverage depending on where you use your boat. So, it might not cover boats that are used on Great Lakes, coastlines or along the beach.

If you’re looking to properly insure larger boats and watercraft, you’ll need a separate boat insurance policy and we can help with that!  Whether small or big, a classic, a specialty or just a run of the mill boat, we can help you get the right protection at the right price.

 

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Posted 7:44 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Keith Insurance to provide information that may be of interest. Keith Insurance is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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