Personal Watercraft Insurance

Insure Your Watercraft

Your basic canoe and rowboat may be covered under your homeowners policy. Anything bigger or more expensive requires a separate endorsement. This includes powerboats, yachts, jet skis, and sailboats. Whether you need a boat owners policy, outboard policy, or yacht policy depends on the details.

Be aware, there are rules! You cannot charter, transport for a fee, or use the watercraft in "official races." In other words, this policy is for pleasure users. Other situations would require a commercial endorsement. In either case, you should discuss whether your homeowners liability policy is sufficient or should be supplemented to cover watercraft collisions and injuries. Call Clifford M Golub Associates Inc today to learn more.