1. 145 POINTS
    Cecil Sabu
    Bank Representative, State Farm insurance,
    No - your homeowners insurance does not cover or extend over to the use of your boat/watercraft.

    You would need to obtain a separate boat policy to help insure your boat property (similar to an automobile policy) as well as liability arising from the use of your boat on the water.
    Answered on April 13, 2013
  2. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If your boat is parked in the garage or on your property and it is damaged due to a covered peril then there may be coverage. For example a Fire in the garage destroys your boat. But as a rule you should carry separate Boat insurance to protect your boat and also to protect yourself for liability in the event of a boat accident.
    Answered on April 13, 2013
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