Yes, personal umbrella covers boats, personal watercraft (jet skis), RVs, ATVs, and side-by-sides — but only if the underlying watercraft or recreational vehicle policy is scheduled on the umbrella and meets the carrier’s minimum underlying limit (typically $300,000 liability). Watercraft liability tucked into a homeowners policy usually caps at $50,000 to $100,000, which is nowhere near what a single injured passenger claim actually costs.
This coverage is one of the most valuable features of umbrella insurance in the Southeast because of high per-capita boat, PWC, and ATV ownership. See boat coverage details for Mississippi and Louisiana Gulf Coast households, lake coverage for Tennessee and North Carolina, and coastal exposure for Alabama, Florida, and Georgia. For general boat liability rules see the III.org boat insurance overview. Schedule your watercraft on umbrella at bridgewayins.com/quotes or call (877) 418-2484.
