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Do I need separate insurance for my Lake Lanier boat?

Yes, absolutely. Your homeowners policy boat sublimit is typically $1,500 or less in property damage and zero on-water liability. If you are on a lake with other boats, jet skis, swimmers, and wakeboarders, that's inadequate. A dedicated watercraft policy covers hull, on-water liability, fuel spill liability (required by federal law for engines over 50hp), trailer, and gear. For Lake Lanier specifically, we recommend $300K+ liability minimum, particularly with guests on board. Progressive is our primary choice for Lake Lanier boat coverage.

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