We have many clients who have owned and operated boats for decades. Years ago on insurance policies, all outboards were automatically covered for liability by a homeowners policy. Unfortunately, over the years, the watercraft liability coverage provided by the homeowners policy has changed significantly. Revisions over the years have restricted coverage again and again. The most recent edition of the policy provides liability coverage only for outboards under 26 horsepower.
Therefore, if you are a boat owner and have not recently discussed the coverage on your boat with your agent, we recommend that you reach out!
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