No, not usually. Boat rates are based on the climate in your territory. Someone who lives in the midwest may use their boat six months per year versus someone in Florida who may use their boat 12 months a year. The Florida resident, therefore, would pay double what someone in the midwest would pay. With this in mind, insurance companies generally do not allow customers to reduce their coverage in the offseason.

May 14, 2018

Can I reduce my boat coverage during the winter?

No, not usually. Boat rates are based on the climate in your territory. Someone who lives in the midwest may use their boat six months per […]
May 14, 2018

Is my boat covered if I use it for racing?

Competitive events are usually excluded from coverage.
May 14, 2018

Doesn’t my home insurance cover my boat automatically?

If you maintain a home or renters insurance policy, it might include a limited amount of coverage for watercraft. However, there will be limitations as to […]