-+


4. Where can I go? Unlike a car insurance policy that is good for
every state you drive in, most boat insurance policies have what's
called "cruising grounds" which limit where the policy is in force.
Trailer your fishing boat outside those areas and you'll need to call
your company for an "extension" to ensure coverage remains in effect.

Was talking to my insurance man the other day about the coverage that is
included with my homeowners policy. Supposedly covers a 14' or less boat
with 25hp or less motor. So, I figured my 14 boat with 9.9hp motor doesn't
need an additional policy but my recently purchased 16' boat will. In
discussion, he says something about the homeowners policy covering the
smaller boat on my property, like the farm pond (don't have one). I said,
what happens when I pull away from the dock on the river in front of my
place. He says "Well, your not on your own property, then are you? So, no
coverage, then, unless you have a separate boat policy." All of this was
news to me. I guess the homeowners policy is basically giving you coverage
on your boat as a personal property loss if it's stolen or something but no
liability if you use it and run into someone. You wouldn't believe how
insurance poor I am. Until, I qualified for medicare, over half my income
went to some kind of insurance.

Tom G.