Boat insurance is about more than just the boat, especially for trailered boats. If your car or truck breaks down while towing your boat, the tow vehicle as well as the boat and trailer will be towed to the nearest repair facility when you have supplementary coverage. The same goes for tire repair on the tow vehicle or the trailer.. Fourth answer to "Do I need boat insurance" is yes, if you want your investment protected. Boat insurance can cover injuries or damage to your boat or if someone else causes injuries or damage to you or your boat. Boat insurance may also cover the theft of a boat, personal watercraft, or boat trailer. Continue for more on boat insurance.
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What Boat Insurance Policies Cover. How and where you boat determines the type of coverage you need. An "all risk" policy will offer the best protection. However, an "all risk" policy does not cover every type of loss. In insurance terms "all risk" just means that any risk not specifically omitted in the policy is covered.. About Boat Insurance. A boat insurance policy may cover you and your boat or personal watercraft against liability and damage in the event of a boating accident, including if you injure someone or damage someone else's property with your boat. Boat insurance can also cover your motorboat, sailboat, or other types of watercraft in the event it.
