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[quote=DaveW70]For starters talk to your insurance agent.  Whoever insures your home or auto could likely cover your boat too.  Your existing homeowners or auto policy probably covers your boat in certain circumstances.  For example, years ago I had an auto accident while towing my boat (not my fault luckily).   Both my auto insurance policy and boat policy would cover the physical damage to the boat.  But you need to talk to an agent to ascertain what coverage you might already have.  Then go from there.  In my opinion, the most important coverage for a boat is watercraft liability coverage.  In todays litigious society, it is a must have.  It protects your financial well being.  Accidents can happen, especially on the water.  Note that most if not all states require a certain amount of liability coverage for a car.  If you have an older boat, then you can skimp on physical damage coverage.  However, I don't think having $500,000 or more in watercraft liability coverage is unreasonable.[/quote]

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