Does My Car Insurance Cover Towing a Boat?

If you’re a boat owner, chances are you’ve asked yourself whether or not your car insurance covers towing a boat. After all, most of us don’t have the luxury of a dedicated truck or trailer to transport our boats. The short answer is that it depends on your policy and what type of coverage you have. Read on to learn more about the different types of car insurance coverage that might cover towing a boat.

Comprehensive Insurance

Comprehensive coverage is a type of insurance policy that covers you if your car is stolen, vandalized, or damaged by a natural disaster. It also covers you if you’re liable for any damage caused to other people’s property. Generally speaking, comprehensive coverage does not include towing a boat. However, some policies may include limited coverage for towing a boat if it is damaged in an accident.

Collision Coverage

Collision coverage is a type of insurance policy that pays for damage to your car resulting from an accident. It also covers damage to your boat if it is damaged in an accident while being towed by your car. This type of coverage is usually expensive, but can provide peace of mind if you frequently tow a boat with your car.

Liability Insurance

Liability coverage is a type of insurance policy that covers you if you are liable for any damage that you cause to another person’s property. This type of coverage does not include towing a boat, but it will cover you if you accidentally damage someone else’s property while towing your boat.

Towing and Labor Coverage

Towing and labor coverage is a type of insurance policy that covers the costs of towing your car and labor if it breaks down. This type of coverage does not include towing a boat, but it can be added to your policy for an additional fee. If you frequently tow a boat with your car, it may be worthwhile to purchase this type of coverage.

Conclusion

Whether or not your car insurance covers towing a boat depends on the type of coverage you have and the specific terms of your policy. Comprehensive coverage and collision coverage typically do not include towing a boat, but liability coverage and towing and labor coverage may. Before towing your boat, it is important to review your policy and make sure you are adequately protected.