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<blockquote data-quote="shorthairsrus" data-source="post: 218531" data-attributes="member: 219">Read your policy---- mine is 40hp outboard:I just popped this from the internet -- this particular insurance covers liability only up to 25hp.&nbsp;&nbsp; If you have a junker -- and it has low HP you may be covered. [h=2]Does Homeowners Liability Insurance Cover Boating Accidents?[/h][FONT=&amp;quot]If you injure someone or damage property with your watercraft, the <a href="https://www.valuepenguin.com/does-homeowners-insurance-cover-personal-injury" target="_blank">liability portion of your home insurance</a> policy can help cover any associated cost. Homeowners insurance policies come with at least $100,000 in liability coverage you can use for legal expenses or restitutions you need to pay the affected party. There are some important size and horsepower limitations when it comes to boats however.[/FONT][FONT=&amp;quot]
<table style='width: 100%'><tr><th>Vessel/Motor Type</th><th>When is it Covered by Liability Insurance?</th></tr><tr><td>Inboard or Inboard-Outdrive</td><td>Less than 50 HP</td></tr><tr><td>Outboard</td><td>Less than 25 HP</td></tr></table>[/FONT]</blockquote>

[QUOTE="shorthairsrus, post: 218531, member: 219"] Read your policy---- mine is 40hp outboard: I just popped this from the internet -- this particular insurance covers liability only up to 25hp. If you have a junker -- and it has low HP you may be covered. [h=2]Does Homeowners Liability Insurance Cover Boating Accidents?[/h][COLOR=#555555][FONT=&quot]If you injure someone or damage property with your watercraft, the [URL="https://www.valuepenguin.com/does-homeowners-insurance-cover-personal-injury"]liability portion of your home insurance[/URL] policy can help cover any associated cost. Homeowners insurance policies come with at least $100,000 in liability coverage you can use for legal expenses or restitutions you need to pay the affected party. There are some important size and horsepower limitations when it comes to boats however.[/FONT][/COLOR] [COLOR=#555555][FONT=&quot][TABLE="class: auto table, width: 700"] [TR] [TH='class: align-left, colspan: px""']Vessel/Motor Type[/TH] [TH="class: align-left, align: left"]When is it Covered by Liability Insurance?[/TH] [/TR] [TR] [TD="class: align-left"]Inboard or Inboard-Outdrive[/TD] [TD="class: align-left"]Less than 50 HP[/TD] [/TR] [TR] [TD="class: align-left"]Outboard[/TD] [TD="class: align-left"]Less than 25 HP[/TD] [/TR] [/TABLE] [/FONT][/COLOR] [/QUOTE]

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