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What are Personal Effects?

Personal Effects are automatically available with most boat insurance policies. By design the coverage is narrow; most items on the boat are considered part of the boat and are, therefore, covered under hull insurance.

Personal Effects can include items like clothing, fishing rods and reels and scuba equipment. In order to understand Personal Effects you have to first review the definition of what is covered as the Hull (boat, machinery and equipment). A typical definition of Hull may include spars, sails, machinery, furniture, dinghies/tenders, outboard motors, fittings and other equipment normally required for the operation or maintenance of the vessel.

Items such as electronics, safety equipment (life jackets), furniture and a ship to shore cord would all be considered to be part of the boat and not covered by personal effects coverage.

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