My boat was stolen and now my insurance company will not pay the claim on my homeowner's policy. Can they deny my claim?
Theft to watercraft, including furnishings, equipment and outboard motors, are typically excluded if the theft occurs outside your residential premises. To adequately cover your boat and its accessories, you should contact your agent regarding a separate policy covering the boat. There are some exceptions to this rule and the best way to be sure is to ask your insurance company for details.