| Liability |
- Maximum liability on watercraft can not exceed liability on the underlying auto policy
- Liability is required on all watercraft
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| Maximum Watercraft Horsepower |
Refer to Underwriter if:
- Single motor over 350 HP or
- Dual motors over 700 HP
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| 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
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| 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
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| Trailers |
- Up to $5,000
- Up to 30 feet
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| Watercraft Use |
- No ocean going vessels
- Ineligible if used in business, racing, speed test or as a fishing guide
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