WATERCRAFT AND BOAT INSURANCE
Watercraft is a term that is used to generally describe fishing boats, runabouts, bowriders, cruisers, inflatables, deck boats, yachts, houseboats, pontoons, jet boats, personal watercraft. Special policies and endorsement are designed for boats and watercraft to insure that the proper coverage. There is little standardization of policies for watercraft and boat insurance. Companies have designed specific programs to provide this coverage consistent with their underwriting philosophy. Companies have homeowners endorsements available for certain watercraft that provides property and liability coverage. Also a Personal Watercraft Policy or a Boat and Yacht Policy is offered as a "stand alone" policy by some companies. We will attempt to provide information of a general nature and explain important coverages that are necessary for the boat.