Insurance - Watercraft and Boat Insurance

If you are an avid watercraft enthusiast with lots of fun stuff in your garage, it is highly suggested to have insurance on all your fun little water toys. Some assume that your watercraft/boat is covered under your homeowners insurance; generally they are not, however. If you get a policy it will more than likely cover you, your spouse, and any other household member that has permission to ride the watercraft/boat. The policy will usually pay for bodily injury or other property damages caused by the craft. You can always add other various coverages including medical payments, physical damage, uninsured boater and personal effects (cameras, binoculars, clothing, etc.)