Watercraft

Watercraft Guidelines

Western National Watercraft eligibility guidelines
Subject	Eligibility
Liability	Maximum liability on watercraft can not exceed liability on the underlying auto policy Liability is required on all watercraft
Maximum Watercraft Horsepower	Refer to Underwriter if: Single motor over 350 HP or Dual motors over 700 HP
Maximum Watercraft Value	Watercraft over $125,000 Personal watercraft over $20,000 Sailboat over $100,000
Physical Damage	Boat over 20 years old or $60,000 require photos for physical damage coverage Photos required for watercraft with prior damage Watercraft values that we are unable to validate will require documentation
Supporting Policy	A supporting auto policy with Western National is required.
Title / Ownership	Watercraft must be titled to the named insured No more than one additional insured may be titled on the watercraft
Trailers	Up to $5,000 Up to 30 feet
Watercraft Use	No ocean going vessels Ineligible if used in business, racing, speed test or as a fishing guide