{"id":6605,"date":"2021-02-09T15:40:24","date_gmt":"2021-02-09T15:40:24","guid":{"rendered":"https:\/\/veloxinsurance.com\/?p=6605"},"modified":"2023-09-13T23:47:46","modified_gmt":"2023-09-13T23:47:46","slug":"is-towing-your-boat-covered-by-car-insurance","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/is-towing-your-boat-covered-by-car-insurance\/","title":{"rendered":"Is Towing Your Boat Covered By Car Insurance?"},"content":{"rendered":"\n

When you’re towing your boat, you may expect your auto insurance to cover anything that happens. You might be right, but you might not. What coverage you have depends on your specific car insurance policy.<\/p>\n\n\n\n

Damage To Your Trailer<\/h2>\n\n\n\n

Your comprehensive and collision coverage may not extend to your trailer<\/a>. That means if you get into an accident that damages your trailer, or your trailer is stolen, you may not have insurance coverage for it.<\/p>\n\n\n\n

To get coverage, most insurance companies require you to either list your trailer on your policy or purchase coverage for any trailer you’re towing. This will usually be at additional cost \u2014 since you’re buying additional insurance \u2014 but the cost is generally reasonable.<\/p>\n\n\n\n

Damage To Your Boat<\/h2>\n\n\n\n

Your boat will generally not be covered by your auto insurance policy if you bought basic coverage. If you bought trailer or towing coverage, you might have some coverage for the contents of your trailer, but it probably won’t be as much as your boat is worth.<\/p>\n\n\n\n

To get full coverage for damage to your boat, you may be able to increase your towing coverage. Or you can get a boat insurance<\/a> policy that covers your boat on the water, in storage, and while you’re towing it.<\/p>\n\n\n\n

Liability To Others<\/h2>\n\n\n\n

If you’re at-fault in an accident and have liability for injuries or property damage, your car insurance might cover the claim. This is a situation where you need to read your policy carefully.<\/p>\n\n\n\n