Home insurance policies don’t provide comprehensive boat coverage to cover things like salvaging costs. Home insurance policies don’t provide comprehensive boat coverage. Generally, it can be the most cost-effective to insure a boat separately. Through a separate boat policy, you may get better coverage geared specifically towards watercrafts, and in turn, your boat insurance could cost less. Connect with us to discuss whether your watercraft is best covered under your home policy or if it’s beneficial to set up a boat and marine policy. If you insure your boat on a stand-alone watercraft policy and need to make a claim, it will not affect your house insurance claims rating or premium.