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-   Let's Discuss Your Boat Insurance (https://www.walleyecentral.com/forums/forumdisplay.php?f=42)
-   -   Am I covered? (https://www.walleyecentral.com/forums/showthread.php?t=723922)

Fin Bender 06-02-2021 07:49 AM

Am I covered?
 
Will my homeowners policy cover my boat if it's stolen or destroyed while parked at my dock?

bbheli 06-02-2021 08:32 AM

[QUOTE=Fin Bender;6565566]Will my homeowners policy cover my boat if it's stolen or destroyed while parked at my dock?[/QUOTE]

Is your dock part of your property and have you notified your insurance carrier. All Policies are different but generally higher cost items need to have an endorsement in some cases. Why not call your agent.

Fin Bender 06-02-2021 08:52 AM

[QUOTE=bbheli;6565584]Is your dock part of your property and have you notified your insurance carrier. All Policies are different but generally higher cost items need to have an endorsement in some cases. Why not call your agent.[/QUOTE]

Thanks for the reply. yes, dock is part of property. no notification. I'm planning on doing that soon, thought I ask here first and get some opinions and advice from others who've already explored this, or who are in this business. BTW, This is a 16 year old pontoon so were not talking about a huge risk, but there is valve there.

If not covered what would the policy say? "boats parked are your dock are not a covered item" that seems pretty specific. I didn't call my agent to find out if my new custom stainless steel chimney cap is covered that that was a pretty spendy item. Should I?

bbheli 06-02-2021 09:35 AM

[QUOTE=Fin Bender;6565588]Thanks for the reply. yes, dock is part of property. no notification. I'm planning on doing that soon, thought I ask here first and get some opinions and advice from others who've already explored this, or who are in this business. BTW, This is a 16 year old pontoon so were not talking about a huge risk, but there is valve there.

If not covered what would the policy say? "boats parked are your dock are not a covered item" that seems pretty specific. I didn't call my agent to find out if my new custom stainless steel chimney cap is covered that that was a pretty spendy item. Should I?[/QUOTE]

No it would not say that but every policy has twists to language. Think of it this way, insurance companies today look for every reason to deny claims. Don't give them the reason. If you tell them and its on the application and Policy there is no question. The bigger issue is when you are on the water for damage accidents and so on as well as contents on the boat.

RMBin303 06-02-2021 10:25 PM

I can't imagine you would have coverage simply because it is on your dock. I know my policy wouldn't cover my boat even in my garage. If you want coverage, you need a policy on the boat (which you should have anyway just to cover liability if nothing else).

yooper911 06-02-2021 11:05 PM

Most policies limit coverage on watercraft and accessories to $1,000. You should read your policy or check with your agent.

Golden Eagle 06-04-2021 02:56 PM

No. Buy a boat policy. Same as you buy a policy for your truck.

Insurance policies will pay claims according to the provisions of your policy.

Wallychowder 06-07-2021 02:28 PM

[QUOTE=Fin Bender;6565566]Will my homeowners policy cover my boat if it's stolen or destroyed while parked at my dock?[/QUOTE] Ask your agent ?

Misdirection 06-07-2021 06:25 PM

My friends boat was on its trailer and in his drive. We had a tornado come thru and damaged his boat. His homeowners did not cover the boat. He was told the only way it would have been covered is if it had been inside his garage.

I agree with the above posts, ask your agent AND get a separate boat insurance policy.

Sent from my SM-A505U using Tapatalk

Mark R 06-15-2021 09:28 AM

You should be able to read your policy and answer your question. Hint read sections of property not covered & property subject to limitations section. Or call your agent


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