What the house policy will not do
Length, horsepower, and use kick boats off the HO-3 fast. Theft of a trailer on US-1 is often the auto or a trailer schedule. The hull on the water wants a marine form.
Agreed value vs. ACV hull
Agreed value is the daylight number. ACV after a total in a named storm is a fight. Photos, survey, and a realistic value bind. Dream values do not.
Hurricanes and haul-out
Some forms credit a documented haul-out plan. Leaving the boat on a lift in a surge zone is a decision. Comprehensive and named-storm deductibles are percentage math, like houses.
How we quote watercraft
Year, length, HP, where it sleeps, towing vehicle, and whether it is a weekend Palmetto boat or a charter story. Charter is commercial. Start a collectible or liability quote and say boat in the notes.
Questions we get
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If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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