Will My Friend’s Insurance Cover A Tree Falling On My Uninsured Boat?

1. 

   11498 POINTS

   view profile
   Jason Goldenzweig

   Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada

   You would be looking at paying for the repairs out-of-pocket. Insurance on a vehicle only covers the vehicle(s) designated for the coverage. For example, your friend's insurance would only cover vehicle(s) covered under his plan, which from your information would indicate your boat is not covered.
   
   Some policies may have liability coverage if the insured person's property damaged someone else's property, but that does not appear to be the case here. Given that a tree fell on it, your boat would only be covered if you had insurance on it.

   Answered on July 3, 2014

   flag this answer
2. 

   14231 POINTS

   view profile
   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Actually, that depends upon a couple of factors.  Your friend apparently has homeowners' insurance which would include liability coverage, so one factor seems to be met.  The question then becomes about the condition of your friend's tree.  If the tree is healthy and is just taken down or damaged in a passing storm, then your friend's policy would not cover the damage to your boat.  If on the other hand, the tree is dead or diseased AND your friend knows it AND has done nothing to remove or have the affected branches pruned away, your friend would be seen as negligent.  If that is the case, then the liability portion of his Homeowners' policy would provide coverage.

   Answered on July 3, 2014

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.