Do rental boats have any coverage under homeowners insurance?

Homeowners insurance policies typically extend some coverage to certain types of watercraft, depending on their specifications. In the case of rental boats, many homeowners insurance policies provide coverage for boats with a specific maximum allowable horsepower. The commonly accepted limit is up to 50 horsepower. This means that if you are utilizing a rental boat that has a horsepower rating within this limit, it may be covered under your homeowners insurance for certain types of claims, such as liability or damage to the boat while in your possession.

This inclusion is designed to offer homeowners flexibility and peace of mind while engaging in recreational activities that involve watercraft. However, there are usually conditions and limitations that apply, so it's essential to review the specific terms of your policy. The other options either impose stricter boundaries or suggest total exclusion, which do not reflect the typical coverage provided under most homeowners insurance policies. Therefore, the coverage up to 50 horsepower aligns with standard practices in homeowners insurance.