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.
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10 point checklist to see if your Boat Insurance policy has excellent coverage