Is Boat insurance a good idea for a canoe or kayak?

There is a common misconception boat that insurance is strictly applicable to boats. Though rare, in some instances, the coverage available through a boat insurance policy extends to canoes and kayaks.

This is your inside look at insuring watercraft in the greater Scotia, NY area from the DePaulo Agency.

The Limits of Boat Insurance

Boat insurance has the potential to apply to other vessels. As an example, if you store a kayak or canoe on your boat, it might be covered in some instances. Moreover, if you ensure the insurer writes a coverage policy to include kayaks and canoes stored on your vessel or used in unison with that vessel, coverage will apply.

However, in most instances, boat insurance is limited to the boat itself. This means the mere fact that you own a kayak or canoe does not mean boat insurance will apply. However, if your coverage includes contents left onboard the vessel and those contents are a kayak or canoe, coverage has the potential to apply.

The Difference Between Boats, Canoes and Kayaks

There is no denying boats have unique qualities, especially when compared and contrasted with kayaks and canoes. Canoes and kayaks lack motors while many boats contain motors.

As a result, the standard boat insurance policy is not applicable to diminutive watercraft such as canoes and kayaks that lack motors.

The DePaulo Agency is on Your Side

Are you in the market for boat insurance? Whether you own a brand new boat, have an older boat or are buying used, you’ll need coverage. Dial 518-372-7477 for insurance guidance from the DePaulo Agency. If you reside in the greater Scotia, NY area, we’ve got you covered.