If my Boat gets Lit up in Green Valley, AZ, by Police Gun Fire to Catch a Fugitive, is that Covered by Home Owner’s Insurance?

During a fugitive chase, police may shoot at the suspect to attempt to prevent injuries to the public. Unfortunately, that may mean that your boat can be lit up by gun fire if you happen to be in the wrong place at the wrong time. Depending on the situation and the location of you boat, your homeowner insurance policy may offer some protection for your vessel in Green Valley, Arizona.

The Location of the Boat

Depending on where the gun fire takes place, it may or may not be covered under your home policy. If your boat is damaged during a chase through your neighborhood and your ship is in the front yard, then you may be able to make a claim on your homeowner’s policy. On the other hand, if your ship was on the water at the time, then you may need to make a claim through your boat’s insurance policy.

Coverage Amount

If you make a claim through the policy on your home, then the amount that you have available may be limited. Insurers have limitations on how much you can claim for property based on the amount of coverage you have on your house.

In many cases, the coverage amount will be limited to a percentage of your home’s value. The exact percentage may vary, so review your policy to determine if you are covered and how much you can claim for your boat.

Damage to your ship can be stressful and expensive, but solutions are available if authorities hit your boat while chasing a fugitive. Contact the Insurance Center of Green Valley to talk to an independent agent for more information about protecting your boat.