Boat Clubs - covers all members of club while operating a boat.Boat & PWC Rental - Although this is generally not required, rental insurance will help cover any damage the vessel, as well as the operator and passengers.Yacht coverage tends to be broader and more specialized because larger boats travel farther and have more unique exposures. Yacht - generally, vessels 26' and smaller are called "boats,” and "yachts" are 27' and larger.You may be surprised to find what can be insured. Marine insurance covers a wide array of watercraft. In other word, the policy will only pay up to the actual cash value of the boat at the time it is declared a total or partial loss. Eventually, as your boat ages, your insurer will likely insist on an actual cash value policy-and if often gives a substantial savings. "Actual cash value" policies cost less up front, but factor in depreciation. While it can cost more up front, there is no depreciation for a total loss of the boat (some partial losses may be depreciated). There are two basic types of boat insurance- “agreed value” and “actual cash value.” How depreciation is handled is what sets them apart.Īn "agreed value" policy covers the boat based on its value when the policy was written. Where it will operate (Ocean, lakes, bays, rivers, Great Lakes).
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While homeowners riders are normally adequate for these boats, be careful to ask the same questions you’d ask any other insurer about damages to your vessel and how they will be paid. Many homeowners policies include perfectly good coverage for smaller boats and motors, usually with a horsepower limit of from 25- to 100-horsepower. Many homeowners’ policies limit or don’t cover marine-specific risks, such as salvage work, wreck removal, pollution or environmental damage but there are exceptions.
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When it comes to insuring your boat, it’s often best to separate your boat insurance from your homeowner's policy.