Non-motorized boats encompass a wide range of watercraft that were either not constructed with a motor or designed to accommodate one. This broad category of watercraft products includes sailboats, kayaks, paddle boats, rowboats, and inflatable rafts. These crafts rely on human power or natural elements like wind or currents to navigate the water, offering enthusiasts a diverse selection of options for their boating experiences.

Boat insurance policies are for specific types of watercraft. While it is not mandatory, having coverage for a non-motorized boat is advisable. It safeguards your asset from potential financial liability due to damage or theft. If you intend to carry passengers or embark on regular extended sailing journeys, consider obtaining an insurance policy for added protection and peace of mind.

Boat insurance provides coverage for collisions, liability claims, and medical expenses. Insufficient liability coverage could lead to lawsuits if an accident results in drowning. Consider adding uninsured/underinsured boater coverage to your policy to enhance your protection. This coverage safeguards you against damages. Additionally, similar to auto insurance, you can choose between collision insurance, which covers damage from various events, and comprehensive insurance, which includes non-collision-related damage like theft and vandalism.

Comprehensive and collision coverage in boat insurance provides financial assistance for repairing or replacing a damaged vessel, typically based on its actual cash value (ACV). The agreed boat value stated in your policy often reflects a mutual understanding between you and the insurer. It is common for boat owners to utilize their homeowners' policy to obtain boat coverage. This arrangement offers convenience and may be liable for insuring your boat and other assets.