How do I avoid coverage surprise on my boat insurance?
If you own a boat with a value greater than $1,000, or with a motor over 24hp, or longer than 15 ft, you may require a special watercraft policy. Depending on the size and value of your boat, we recommend the following features be included on your policy or you may be left out in the cold when it comes time to file a claim.
A minimum of $500 for personal effects
Comprehensive “all risk” coverage on boat and motor
Replacement cost coverage for repairs
Agreed value for total losses
A minimum of 500 miles for land transportation
$1,000,000 Protection and Indemnity liability