I am able to add boats to my homeowners policy for liability coverage. In turn they are covered under my umbrella policy. The cost is minimal, either free or maybe $25 for the rider.
The only boat I have full coverage on is my houseboat, under $700 per year for up to $100,000 in damages.
In my opinion liability insurance is an absolute must. Too many things can go wrong on the water.
+1
The more toys one acquires comes with more liability.
It's foolish not to cover your azz considering the small costs involved.
I have a 1M umbrella policy that covers all my toys and much more even including a possible shooting related death on my property.
Your toys don't have to be on your property to be covered under such a policy.
Talk to you insurer about possible enhancements to your homeowners insurance.
Only affordable way to go about it......
Insuring piece by piece is just crazy.
