WatercraftandRecreational
Is the boat really covered by the house policy?
Personal coverage
Boats, personal watercraft, ATVs, and seasonal vehicles, covered under policies built for how they're actually used rather than folded awkwardly into a homeowners policy.
Check it yourself
Two minutes with the policyyou already have.
01
Where to look
Homeowners policy, Exclusions, watercraft paragraph
02
What it reads
Length and horsepower thresholds above which cover stops
03
What goes wrong
Most boats worth insuring sit above those thresholds. If yours does, the homeowners policy is not covering it, whatever anyone told you.
Rather we did it? Send the declarations page and we will read this line and every other one on it.
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