It often depends on your navigation area. Tell us where you plan to boat so coverage can be written to match.
The state does not generally mandate it, but marinas, lakes, and lenders often require liability coverage as a condition of docking or financing.
It is the stretch when your boat is not in use, often stored for the season. Policies may adjust coverage during this time.
It typically provides only very limited watercraft coverage, often for small, low-powered boats. Larger or faster boats usually need their own policy.
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