Supplemental Watercraft Liability Coverage Endorsement HO 24 75

The Supplemental Watercraft Liability endorsement HO 24 75 allows an insured to obtain coverage for watercraft that are too large or too powerful to be covered under the homeowners policy, but are not quite large enough for a watercraft policy. The endorsement provides coverage for liability and medical payments. The insured must provide a description of the boat being scheduled, including length, description of outboard engine or motor, horsepower of the engine or motor, navigation period, and the owner of the outboard motor, if other than the insured.

The insured may live in an area where the boat cannot be used year-round, so the navigation period is important. The navigation period is the time the boat is docked on the water and available for use. An insured may keep a boat stored at a marina during the winter, but from May to September the insured has the boat docked at the lake that he goes to every weekend. May to September is his navigation period. Insurers often rate differently if a boat is in the water only from May to September instead of being in the water year-round. Boats with more than 25 horsepower may be scheduled, and sailing vessels 26 feet or more with or without auxiliary power may be scheduled. As with power boats, the sailboats must be described, showing both the horsepower of the engine and the navigation period.