--- title: Boats & Yachts in West Virginia: Do you know the difference? description: Can you tell the difference between boats and yachts in West Virginia? Your insurance agent can! There are distinct differences in coverage options between the two --- # Boats & Yachts in West Virginia: Do you know the difference? ## Boats & Yachts in West Virginia: Do you know the difference? - Posted on Friday, July 11, 2014 It is fairly easy to tell the difference between a car and a truck or a motorcycle and a moped, but when it comes to boats and yachts, differences may not be as evident. In insurance terms, the differences between a boat and a yacht are very clear. ## How are boats and yachts defined in West Virginia? - **Boats:** A boat is generally defined as a vessel under 26 feet in length. This can include speed boats, fishing boats (for recreational purposes) and classic or antique boats. Standard boat insurance policies can include physical damage coverage, liability coverage, personal property coverage and towing and assistance coverage. Many of the policies are yearly policies so there is no need to be concerned about your boat when it is moored or in a dry dock for the winter months. Boat insurance policies often include limits on navigational areas or be an agreed value policy which means you and the insurance carrier will agree upon a set value of worth for the boat before a policy is drafted. This may help recoup costs in the event the boat is lost or damaged beyond repair. A basic [boat insurance](/boat-insurance) may not include extra coverage for uninsured/underinsured boater coverage or coverage for fuel spills, but a yacht insurance policy may include those items. So, when insuring a boat, be sure to ask your agent about these coverages because most times, they can be added. - **Yachts:** A yacht is defined as a vessel over 26 feet in length and used for mostly personal or recreation purposes. Yacht insurance tends to be more inclusive than your standard boat insurance policy. Those extras that you may pay more for in boat policy, like fuel spill coverage, towing and additional personal property coverage, may be generally included in your yacht insurance policy. There are also custom coverage options that may be available just for yacht insurance. Custom coverages may include additional hurricane protection if you are sailing or docking in an area during hurricane season. It may also include an option to extend or create a custom navigation area as most standard boat insurance policies only offer coverage the extends 75 miles past the U.S., Canadian or Mexican coastline. If your yacht includes a dinghy, there is a coverage option for that as well, though it may be limited to anything under 16 feet in length. Whether you are considering purchasing a boat or a yacht or wondering which category your current sea-faring vessel falls, the insurance experts at Wickline Insurance in Beckley, WV can assist you with all your boating insurance needs. Wickline Insurance agents can also assist you with insuring other items like your autos, homes or adding a [personal umbrella insurance](/umbrella-insurance) policy for additional protection beyond your [auto](/auto-insurance) and [home insurance](/homeowner-insurance) policies. Whatever your insurance needs, let Wickline Insurance help. Visit their [website](/) 24/7 for more information about the agency or the insurance products they offer. ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## Connect Online - [Facebook](https://www.facebook.com/WicklineInsuranceAssociates) - [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4) ## Testimonials You don't have to take our word for it. Check out what our customers say about us. [View Testimonials](/testimonials) **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/quotes) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.wicklineinsurance.com/blog/2014/boats-yachts-in-west-virginia-do-you-know-the-difference#blogposting","url":"https://www.wicklineinsurance.com/blog/2014/boats-yachts-in-west-virginia-do-you-know-the-difference","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.wicklineinsurance.com/blog/2014/boats-yachts-in-west-virginia-do-you-know-the-difference#webpage"},"headline":"Boats & Yachts in West Virginia: Do you know the difference?","datePublished":"2014-07-11T16:36:17Z","dateModified":"2025-03-27T13:46:35Z","description":"Can you tell the difference between boats and yachts in West Virginia? Your insurance agent can! 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