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Property insurance policies provide limited coverage for lower horsepower boats and may vary from company to company. Generally speaking boats with an engine over 10 hp require an endorsement to the policy. Costs increase with the horsepower. You can also purchase coverage for damage to your boat. Speak with your broker to discuss the optional coverage available.
Property insurance policies generally exclude liability coverage for any motorized vehicle. Regardless of whether you are on your property or not, a situation may occur where there is bodily injury or property damage to others. Your property policy would not respond and therefore would require coverage under a snowmobile/atv policy.