Is boating covered by homeowners insurance?
Whether homeowners insurance covers boating activity depends on the policy and the boating. Coverage should be thought of in terms of liability protection and property protection.
The liability coverage found in many homeowners insurance policies may extend to small and simple watercraft. It’s often not necessary to purchase separate boat coverage for watercraft such as kayaks, small canoes and even some smaller sailing dinghies.
Some homeowners policies even extend their liability protection to small and low-hp powerboats. Boats under a certain length and with engines under a certain horsepower may be covered for liability. The length and horsepower requirements depend on the policy.
The same is often true for protecting a boat. Small and inexpensive boats may be included within a homeowner’s personal property coverage, but more sizeable or just slightly valuable boats might not be.
Thus, whether a boat policy is needed depends a lot on the type of boat used. Boaters might indeed insure their watercraft through a homeowners policy, if they use a smaller boat that’s inexpensive and has a low-powered engine (or no engine). Boaters with watercraft that are even slightly larger, more powerful or more valuable likely do need a boat policy for liability and/or property protection of the boat.
An insurance agent who understands the coverage needs that boats pose can check whether a separate boat policy is needed for a specific watercraft.