Every homeowner in this group has insurance on their boat like the one
described by the original poster. There is no extra premium for liability
coverage on most homeowner policies for outboard boats 50hp and under, some
are 25hp & under. No disclosure or inspection required either. Rowboats
and canoes are also covered for physical damage under the personal property
perils (usually 17 perils).

Overpowering your boat is good grounds for cancellation and/or no coverage
from the carrier in the event of an accident. You would then likely become
unisurable for at least 3 years... try to buy a new home, or buy an umbrella
policy, and you will find out just how many $ not having insurance will
"save" you.

Rob
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*
*

"F330 GT" wrote in message
...
I have a small 9.9 motor on my 14' small fishing boat. I read the manual
it
says it can be upgraded to 30 HP maximum ... wondering if I put a 40 HP
on
it, will that be dangerous? coz my I found a good deal on a used 40HP.

John


If you do it, and if you are involved in any accident, your insurance
company will drop you like a hot rock.

...carry on.
noah






Does anybody keep insurance on a 14' aluminum boat? I think some of you
guys
are insurance crazy....

I gotta go out now and insure my bicycle. God knows when I might hit
somebody.

In 30+ years of boating, the only time I've ever had boat insurance was
when I
had a 44' charter boat. I can't think of any of my friends that have ever
had
boat insurance either, unless their boat was financed. Then it was because
the
finace comapny required it. An trust me, I grew up on an island where
everybody
had boats.

Barry