Coverage: Watercraft

🚤 Watercraft Coverage

What It Does:
This coverage helps pay for damage to or theft of small watercraft that you own — such as boats, jet skis, canoes, or kayaks — up to the specified dollar limit.

✅ What’s Covered

• Physical damage to your boat or personal watercraft from:
  • Fire
  • Theft
  • Vandalism
  • Wind or hail
• Theft of attached equipment (like trolling motors or electronics)
• Applies even if the boat is on a trailer or in storage

🚫 What’s Not Covered

• Watercraft exceeding the horsepower or size limits set by your policy
• Wear and tear, corrosion, or lack of maintenance
• Business or rental use
• Damage while racing or competing

💡 Real-Life Example

Your insured fishing boat is damaged by a fallen tree during a storm while stored in your backyard. This coverage helps pay for repairs or replacement, up to your policy limit.

💵 Coverage Limits:

• $2,000 (Basic)
• $2,500 (Plus)
• $5,000 (Select)