Q. Will my homeowners insurance cover my boat?
A. Homeowner’s Insurance is not an adequate substitute for a specific boat insurance policy. The amount of coverage available under a homeowner’s insurance plan for your boat can vary, so please check your policy.
Typically, however, a homeowner’s insurance policy will only cover damage to your boat that occurs while it is on your property. Further, the amount of coverage offered is typically less than in a boat insurance policy, which can lead to problems if the boat is damaged.