A Tender or Dinghy is a small boat used to service the larger boat. Some boat insurance policies automatically
include a Tender as a covered item in the hull (boat, machinery and equipment) definition. If automatically
covered, it may have the same deductible as the boat. Most insurance companies will allow you to schedule the
Tender to obtain a lower deductible for an additional premium. Companies provide coverage on agreed value or
actual cash value.
Some companies do not provide any coverage automatically and you have to provide us with the details on the
tender or it will not be covered. Many companies provide specific requirements regarding size or horsepower
in order to qualify as a tender; others just say small boat. Personal Watercraft are normally specifically
excluded and not considered a tender.
If you have a second boat that you use to go out on a regular basis that it not being used to service the
larger vessel, you need to have this boat insured separately.
Review our in-depth Boat Insurance Guide.
See our side by side comparison of the programs represented
by United Marine.