Spring is here! That means boating will soon begin in NW PA. Are you “covered”? Maybe. Check your Homeowners policy and you will likely find automatic extensions of protection. But be sure to read the fine print. Liability coverage, legal protection in case you injure someone or damage their property, is a common extension. But it typically does NOT apply to boats over certain lengths or horsepower.
You may also see coverage for the boat itself, but that may be limited to $1,000-$2,500. And it may basically apply at home. So this amounts to “driveway coverage”, not “highway coverage” or “waterway coverage”.
Talk to us. We’ll help you understand the details and your options.