Is A Boat Covered Under Homeowners Insurance? 
It may be , but it is best to discuss this with your Insurance Professional in order to more fully understand the terms and conditions of your policy . It may be possible that a kayak , canoe or small sail boat may be covered under your Homeowners ' policy . However , motor powered boats or personal watercraft of a certain size or horsepower may require coverage under a separate boatowners ' policy . 