Q. Does my boat insurance cover both inland and ocean boating?
A. Your boat insurance policy will include a specific navigational territory. Boating inside the navigational territory is fully covered by your policy. Work with your agent to ensure that your boating navigational territory includes all the areas you will be regularly using the vessel. It is also often possible to obtain a special endorsement to remain covered in areas outside of the navigational territory in the policy, but this will vary on a case by case basis with your policy underwriter.