Why you need specialized boat insurance coverage. Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Get more information on boat insurance requirements. Off the water, you may be able to insure your boat on your homeowners insurance policy.. BoatUS insurance options include agreed value, actual cash value, and liability-only policy. They cover onboard injuries up to $10,000 per person, liability expenses up to $500K, fuel spill, and the cost for haul-out up to $1,000, for NOAA-named storms. But what BoatUS really offers is a broad cruising area.
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If you have any kind of motorized watercraft, whether it's a small fishing boat or an expensive ocean-going vessel, you almost certainly need boat insurance. "If it has a motor, you need to.. Do you need boat insurance? Your home insurance policy covers your boat in some cases, but it doesn't go far. Homeowners policies typically cap boat coverage at $1,000 or 10% of your home's.
