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1. Does my homeowner's insurance offer protection for my boat?Your homeowner's policy typically has minimal coverage for boats and watercrafts. Coverage is usually only for small boats like canoe, small sail boats or power boat that is less than 25 horsepower.
2. Is my boat protected under my auto insurance policy while it's being transported?No, your boat is not covered under your auto insurance policy. It would be covered under your boat owners insurance.
3. How is boat insurance cost calculated?Boat insurance premium may be determined by many factors such as (Type of Boat, size, value, waterways that you will be operating as well as the level of coverage that you select).
4. Do I need boat insurance while it's in storage?If the boat is on dry land during the off-season, you may be tempted to cancel your boat insurance for the winter. However, it is important to remember of the potential risk such as fire and theft. Without boat insurance you may have to pay out of pocket to cover the loss or damage.