Does Home Insurance Cover Boats?
Many homeowners are surprised to learn that their home insurance policy may offer limited coverage for small boats — but that doesn’t always mean you’re fully protected.
In most cases, homeowner’s insurance can help cover smaller watercraft for certain risks like theft or damage while the boat is stored at home. However, coverage limits are often low, and larger boats, expensive equipment, or liability on the water may not be included.
That’s where a separate boat insurance policy becomes important. Boat insurance can help protect you from accidents, damage, liability claims, and unexpected expenses that happen while you’re out on the water.
Before boating season starts, it’s a good idea to review your current policy and make sure your coverage matches your lifestyle. The last thing you want is to assume you’re covered — only to find out you’re not when you need it most.
If you’re unsure what your policy includes, Fearnow can help you understand your policy and what coverage you may need. Reach out today at (813) 689-8878.
Fear not with Fearnow Insurance!
