Auto coverage
Boats, ATVs and snowmobiles.
Recreational vehicles rarely sit neatly inside a home or auto policy, and the gaps only show up after something happens.
What it covers
The parts worth getting right.
- Liability on and off your own property
- Physical damage, theft and vandalism
- Trailers, and transport to and from the water
- Passenger coverage where the law requires it
Commonly missed
Many home policies cover a small boat and nothing bigger. The cut-off is by horsepower or length and it is easy to cross without noticing.
Get a QuoteWorth knowing
Your home policy probably covers a small boat. The cut off is lower than most people expect.
Common questions
Asked most about this.
When does a boat need its own policy?
Once it passes the length or horsepower limit inside your home policy. Those limits vary by insurer, so it is worth checking rather than assuming.
Is the trailer covered?
Usually under the towing vehicle for liability, and separately for damage. It is a common gap because people assume it follows the boat.
More auto coverage
Also under auto.
Car insurance
The mandatory coverage, plus the parts people skip.
See coverageMotorcycle insurance
Seasonal, and rated very differently by each insurer.
See coverageRideshare and delivery
Uber, Lyft and food delivery, covered properly.
See coverageClassic and collector cars
Agreed value, not what a book says it is worth.
See coverage
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