Too many boaters are under insured for unfortunate things that don’t always happen to the other fellow. And, after the fact is not the best time to wonder if it’s covered.
I called my insurer, Kim Davis, a well-schooled Nationwide representative with a series of questions that every boater ought to be asking their insurer.
Keep in mind that each company may have different limits, disclaimers, etc. Coverage is also available from boatus.
Q. Is my trailer and boat covered while towing?
A. Your boat, motor and/or trailer are covered if they are listed on an insurance policy. The liability for the trailer will come from the vehicle pulling it.
If you want coverage for the trailer itself (examples: collision, theft, etc.) it must have comp and/or collision coverage as well.
The boat can be covered for comp, collision and liability. The customer picks the coverages he or she wants for the boat, motor or trailer.
Q. Is there road side assistance included with either the original auto policy or a supplement?
A. There is roadside assistance available on an insurance policy. It can cover the tow vehicle or watercraft and can also cover the boat while on the water. Emergency service in the event the watercraft becomes disabled on the water can also be covered.
Roadside assistance usually reimburses up to a specific dollar amount.
Q. Is there a restriction for Canadian travel?
A. No restrictions on Canadian travel — you don’t have to have an insurance card with you to show proof of insurance but its a good idea to keep declarations page on the boat with you in a waterproof bag.
Q. Does a separate boat policy or rider cover any of this including on the water accidents or damage, liability and towing incidents?
A. Our policy is a stand alone policy so all of these things.
Davis also offered this advice. Your insurance policy is only as good as your agent! Do policy reviews and ask the “what ifs.”