A boat policy primarily covers the boat and boating equipment, however, some boat policies include personal property coverage options. Be sure to consult your boat owner’s policy for details regarding coverage.
Also, keep in mind that personal property losses are covered anywhere in the world under your home policy coverage. Although some people choose to turn in small loss claims under their boat owner’s policy, your home policy should be reviewed for applicable coverage for substantial losses. If you are unsure about your boat or home policy details, a call to your agent to discuss details before a loss occurs can give you peace of mind.