Storage and navigation limits shape the terms

A boat is rarely covered by the policies you already hold. A homeowners policy caps watercraft narrowly, and your auto policy follows the trailer rather than the hull. What matters most on a quote is where the boat is used and stored, since navigational limits, lay-up periods, and hurricane or haul-out conditions all sit in the form. Tell us the length, the engine, the marina or yard, and how far offshore you go.