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

Comments

2 responses to “Will My Friend’s Insurance Cover A Tree Falling On My Uninsured Boat?”

1. 

   July 3, 2014

   Tom Sheehan

   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.
2. 

   July 3, 2014

   Jason Goldenzweig

   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.