Buying boat insurance coverage in PA is easy. But finding the right coverage for your boat depends on several factors that sometimes gets complicated. It is very common for a homeowner that buys a boat to simply attach the boat to their homeowners insurance policy. It is simple and easy to do. And it usually costs a few bucks less than a stand alone boat insurance policy. However, as you are about to see, there are major shortcomings with coverage using that strategy.
When you compare a stand alone boat insurance policy versus a boat attached to a homeowners policy (HO), there is no comparision! Stand alone boat insurance coverage wins over a boat attached to a HO every time:
Other coverages not usually found on a HO policy that are usually found on a stand alone boat insurance policy:
Of course these coverage options will vary between one company and another. But as a general rule of thumb, stand alone boat insurance coverage is always superior. It's also important to note that stand alone coverage for boats is usually only a few dollars more than a boat insurance policy attached to homeowners. So therefore it's well worth the few extra bucks for the much better coverage.
Get an Online Boat Insurance Quote
10 point checklist to see if your Boat Insurance policy has excellent coverage
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..