boats homeowner

    By now you've eased your boat into the water and are tooling around the waterways of Western NY enjoying some fun in the sun.  You wanted to save some money so you told your agent to add the boat to your homeowner policy.  Good idea?  Maybe yes, maybe no. The homeowner policy will provide limited bodily injury and property damage liability for watercraft but there are plenty of exclusions and limitations that could bite you harder than a snapping turtle. It may cost a little more but most times the best way to insure your watercraft is with a boat policy.  Most boat policies will pick up the cost to clean up oil or fuel spills, mechanical breakdown of the engine and boat towing.  Coverage for fishing equipment and personal effects are usually included.  While damage to your car is paid based on actual cash value you can insure your boat for replacement value.  Avoid the snapping turtles and consider a boat policy.