Your boat provides a wonderful hobby for you. But as you know, it also represents a considerable investment, which you certainly don't want to lose due to fire, theft, collision, sinking or other perils common to boats.

You surely also know that operating the boat creates a potential financial liability to others in much the same way that operating your car creates potential liability.

Some protection of your investment in the craft and of your legal liability may be available through your homeowners policy. However, boats require different forms of liability coverage and your homeowners policy alone probably won't do the job. Boatowners insurance policy conditions, rates and quality of service vary among insurance companies and agents.