Towing your boat to the water should be part of the fun—not a source of stress. But when you hitch your boat to the back of your vehicle, do you know if it’s fully protected during the drive? At InsureUS in Cypress, TX, we often hear this question, and it’s an important one to address before you hit the road.
Boat Insurance vs. Auto Insurance
Many boat owners are surprised to learn that standard boat insurance typically only covers the vessel while it’s on the water or stored—not necessarily while it’s being towed. On the other hand, your auto insurance may provide limited coverage for the trailer itself, but not always for the boat being transported. This gap in coverage could leave you financially vulnerable if something goes wrong during transit.
Understanding Coverage Gaps
Picture this: you’re driving to the lake and get into an accident. Your trailer might be covered under your auto policy’s liability limits, but your boat could be a different story. If the boat is damaged during transport, who pays for the repairs? The answer depends on the specifics of both your boat and auto insurance policies. Some insurers offer optional endorsements or expanded coverage that includes transport, but you’ll need to inquire about these options specifically.
Ensure Smooth and Safe Adventures
Before your next trip, take the time to review your policies to ensure there are no gaps between land and water coverage. At InsureUS in Cypress, TX, we can help you understand your current protection and identify any additional coverage you might need.
Contact us today to make sure your boat is covered every mile of the journey, not just when it’s floating.
