I am relatively new to the boating world. Have just about completed restoration of a 1952 Riviera and I am wondering what insurance is required for the tow vehicle / car (if any in addition to normal policy), trailer, and boat. Ituitively it seems that an insurance company is taking on more risk if a car (or truck) is towing a trailer. Is there an additional cost? How about the trailer, is that insured separately from the car and boat?
Thanks in advance for any insight.


What Insurance is Required?
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- Captain Nemo
- Posts: 739
- Joined: Tue Jul 07, 2009 7:40 pm
- Location: Lyons, NY
Re: What Insurance is Required?
As far as I know, when towing your auto policy covers liability. Your boat policy covers physical loss of the boat and trailer. Depending on how your policy is written. Check w/ your agent.
Boats are to be made of wood, otherwise, God would have grown fiberglass trees.
Re: What Insurance is Required?
If you have Hagerty insurance, the trailer is insured seperately from the boat.
1930 Chris-Craft Model 100 20' "MOXIE"
1946 Chris-Craft Sportsman 25' "CinCity"
1946 Chris-Craft Sportsman 25' "CinCity"
Re: What Insurance is Required?
Call you auto insurance company and find out what they cover first.
Mine added my trailer to the policy at no cost.
Mark
Mine added my trailer to the policy at no cost.
Mark
1953 CC Rocket Runabout "Rocket Man"
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- Posts: 220
- Joined: Sat Mar 19, 2011 8:58 pm
Re: What Insurance is Required?
Thanks everyone. That gives me some initial clarity. I'll find out what my normal auto insurance covers and add on from there.
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- Location: Traverse City, MI
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Re: What Insurance is Required?
Yes, Captain Nemo is on point with his response! Should you wish to discuss further, please reach out to our marine team at 800-762-2628. Hoping you are allowing Hagerty the privilege of protecting the insurance needs for your classic boat! Thank you.
Carla Gernhofer
Vice President, Hagerty Classic Marine Insurance Agency, LLC
Vice President, Hagerty Classic Marine Insurance Agency, LLC
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