Are motor boats owned by the insured covered under homeowners insurance?

Motor boats owned by the insured are indeed covered under homeowners insurance, but there are specific conditions related to their horsepower. Coverage typically extends to motorboats with lower horsepower ratings. In many homeowners insurance policies, the threshold for coverage is often set at 25 horsepower. This means that if a motorboat is 25 horsepower or less, it is generally eligible for coverage under the personal property provisions of a homeowners policy.

It’s important to note that other factors, such as specific policy exclusions, limitations, or the type of boat, can influence coverage. Policies may differ slightly between insurers, but the general rule that boats with horsepower under 25 are covered is a commonly accepted guideline. Maintaining awareness of such details helps policyholders understand the extent of their coverage and ensures they meet the necessary conditions to have their motorboats protected under their homeowners insurance policy.