What will the Mariner Policy cover if I'm towing a boat and trailer and they come loose from the car and cause an accident?

Your Auto Policy will provide liability on the auto, boat, and trailer for any bodily injury or property damage for which the driver is found liable. The Mariner Policy will cover physical damage to the boat and trailer.

Does the Mariner Policy provide coverage for fishing gear and sports equipment?

Fishing and sports equipment attached to the boat, such as a fish finder or down rigger, would be covered as part of the watercraft. Equipment like fishing poles, water skis, and tackle boxes are considered personal effects and have a coverage limit of $250 on the Mariner Policy.

Is the boat covered at replacement cost or actual cash value?

The boat is covered at actual cash value if it's a total loss. Partial losses are covered at replacement cost. The coverings, sails, furniture or upholstered items, electronic equipment, outboard motors, and dinghies are covered at actual cash value regardless of whether it's a partial or total loss.

Will the outboard trolling motor be covered if it's stolen from the boat?

An outboard trolling motor is covered only if it's specifically declared in your Mariner Policy. To add a motor to your policy, call 1-800-GO-PEMCO (1-800-467-3626).

If a water-skier I'm towing with my boat is injured due to the way I drive it, will the policy provide coverage?

There is liability and medical payment coverage available as long as you weren't in a sanctioned ski competition.

Does a dinghy have coverage? What if it's being used away from the primary boat?

The dinghy is automatically covered under Coverage A, Damage to Your Property, if it's being used solely as a dinghy for your vessel.