If a tree hits our boat which insurance pays?

[shrsandy]

What is the name of your state? Georgia
If one of the trees on our lot falls and hits our boat and damages it, which insurance would pay to repair it, the boat insurance or the homeowners insurance.

Thanks

Sandy

 

[HomeGuru]

What is the name of your state? Georgia
If one of the trees on our lot falls and hits our boat and damages it, which insurance would pay to repair it, the boat insurance or the homeowners insurance.

Thanks

Sandy

**A: and what did each insurance agent tell you when you asked?

 

[acmb05]

Each one is going to tell you

the other is liable, However your homeowners insurance is liable for this one because the boat was at your home at the time. I had the same thing happen only it was a camper and they told me my auto insurance had to pay and vice versa. Once it was looked up the homeowners insurance had to cover it, which was good for me cause the deductible was lower.

 

[seniorjudge]

What is the name of your state? Georgia
If one of the trees on our lot falls and hits our boat and damages it, which insurance would pay to repair it, the boat insurance or the homeowners insurance.

Thanks

Sandy

Where was the boat when it got smashed?