Does your truck's insurance policy cover damages to your boat while in tow or do you have to carry boat insurance for such an event?
Well yes and no...
While the liability from your auto will extend to the item it is pulling, this will only protect other drivers and their property. In order to cover repairs to your boat and trailer you will need to have separate coverage on the boat. The best thing to do is ask your individual agent if what your vehicle is pulling will be covered by your auto policy. This coverage varies from company to company and while some companies make you list the item/s you are towing, some do not. It's always better to ask your agent before the accident happens. Tight lines and stay safe out there!
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