Does Auto Insurance Cover A Boat?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Auto insurance will not cover a boat. In order to properly cover or insure your boat you would need boat insurance. However in most cases your auto insurance liability will extend to the boat and trailer while they are attached to your vehicle  The boat and trailer will not be covered for physical damage but should you be backing up the boat for example and hit an object or person there would be coverage for the other party from a liability standpoint. Talk to your local agent about protecting yourself when you have your boat in the water or in storage with boat insurance.
    Answered on May 1, 2013
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