I did get ahold of our Homeowners insuance agency (USAA) and there are provisions for a vessle up to 30 feet with less then a 50 horse IB/OB. some other nit picky restrictions, covers theft if it was parked on the premisis, carrys all the same libility limits as you have on your house which is more then any boat I'll ever run into. One thing i thought was funny it covers electrionics in the boat upto 1k but subject to the deductable (my ded is 1k, I'd be SOL)