Small Boat Insurance FAQ

What is the best coverage for my boat?

It is best to have what is known as an “All Risk” policy, which will provide coverage for all types of losses except those specifically excluded in the policy. Typical exclusions may include wear and tear, gradual deterioration, marring, denting, scratching, animal damage, manufacturer’s defects, defects in design, and ice and freezing.

How much should I insure my boat for?

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What are the differences between boat and yacht insurance?

Generally “boats” are considered to be 26′ and smaller, and “yachts” are 27′ and larger. Generally speaking yacht coverage is broader and more specialized because larger boats travel further and have more unique exposures.
What should I look for in a yacht policy?

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I am about to purchase a used sailboat (40+ feet). I would like some advice
on insurance companies. Care to share your experiences with any particular
company?

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