Do not assume your home or auto policy provides the watercraft protection you want. Restrictions can apply to craft size, power, use, and damage coverage. We can help review the gaps and discuss a policy for your specific boat or PWC.

Requirements vary by location and circumstances. A lender, marina, or storage facility may require coverage even where a state does not. Check your agreements and the rules that apply to your craft and boating area.

It may cover damage from certain weather events, but policy terms matter. Ask about storm or wind deductibles, navigation limits, and any preparation, storage, or relocation conditions. Do not assume every weather-related loss is covered.

Ask how physical damage to your boat and damage to the trailer are insured. Your towing vehicle’s liability protection does not answer every question about damage to either item.

Review operator eligibility and any policy restrictions before handing over the controls. Tell us who uses the craft and ask about passengers and watersports, too. Permission alone should not be treated as a guarantee of coverage.

Not every engine problem is an insured loss. Wear, maintenance issues, and breakdowns can be treated differently from damage caused by a covered event. Ask about the actual cause of loss, exclusions, and any available options.

Tell us before choosing a policy. Rentals, racing, charters, and commercial activity may be excluded or require different coverage. Confirm eligibility for your intended use.

Theft, fire, and other damage can happen while a craft is stored. Review storage risks, policy conditions, and lender or marina obligations with our team before changing coverage.