The thing about liability for pollution side... If you run aground or have a leak and lose fuel
or other chemicals into the water
.... If you are in a marina or anywhere where someone can see and report you... You are going to likely have to clean it up. It's not like the old days where I remember people pouring gas into the boat and spilling it haphazardly. And when that stuff hits the water
, it can be big bucks to clean up. Luckily, it's not something that happens often ( individuals having to pay to clean) but it is happening more and more often. Also, your homeowners will typically have a pollution exclusion that makes it insufficient for that. Usually the coverage on the boat is subpar, and it typically costs more than just having a separate and proper boat policy.
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