There are several watercraft coverage limitations in a standard homeowner policy. Liability coverage is generally excluded for most watercraft, in most situations unless the boat is a sailing vessel under 26 ft., an outboard of 25 horsepower or less or inboard or inboard/out drive motors of 50 horsepower or less. Also excluded is any business use. Standard coverage for direct damage to watercraft is usually limited to $1,500, an amount that includes trailers, equipment and outboard engines. Additional coverage can be had by endorsement to a homeowner policy or via a separate boat policy.
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Main Office
201 North State Street
P. O. Box 1456
Yadkinville, North Carolina 27055
Phone: (336) 679-8816
Fax: (336) 679-7026
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Elkin Office
825 North Bridge Street
Elkin, North Carolina 28621
Phone: (336) 835-4288
Fax: (336) 835-8103
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