Does Watercraft Insurance Cover Boats When They are Out of Water?

If you own a boat in Chicago and are taking it out of Lake Michigan for the winter, you might be wondering if your watercraft insurance still applies. Let’s say you put the boat on a trailer attached to your car and drive it home. What happens if you get into a car accident and your boat is destroyed? Will your boat insurance policy cover the cost of the damage?


In general, the answer is no. Watercraft insurance policies typically do not protect boats when they are on land. However, you might not be completely out of luck if your boat is damaged in a car accident. The chances are good that your auto insurance policy will cover the damage. This, of course, depends on the type of car insurance you carry.


When you get your boat home and park it, your homeowner’s insurance policy may help out too. If the boat is stolen out of your front yard, your homeowner’s insurance policy, depending on the range of coverage, could help cover the cost to replace it.


At Insurance Navy in Palos Hills, we provide the best and cheapest watercraft insurance in Illinois. If you have any questions about our low-cost watercraft insurance policies, the Insurance Navy agents are here to help. To learn more about our affordable boat insurance, please visit our website at

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