Yard Insurance

[Helimech]

What do "normal" people do for insurance if they buy a boat and keep it in a yard for say 6 months to do a refurb. (yards in Florida) Do they get regular boat insurance or could they get regular homeowners insurance like it was a mobile home for the time it was on the hard? Thanks, JC (you guy’s got to love these stupid newbie questions

[chuck_or]

Probably need to show proof of the boat policy. Some homeowners policies may cover small boats stored in the garage or near the home.

[nolatom]

Check with an insurance agent who is familiar with marine insurance, but normally a boat that''s laid up on shore for storage or repairs will switch from regular coverage to "port risk", which is a lot cheaper.

[RichH]

Get "port restricted'' insurance. Covers liability, fire, etc. but limits NO travel or movement on the water, etc. ... much cheaper.

[Helimech]

Thanks to all, great info. JC