Ask an Agent: What does boat insurance cover?

May 17, 2019

Q: Does boat insurance cover theft of my personal possessions?


A: 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.


What can BHS Insurance help you with? We have over 25 associates dedicated to finding the best coverage for your life, home and auto needs. Request a quote online today.


Answered by:



 Christy Allen, Account Manager

      20 years’ insurance experience

      12 years at BHS Insurance