Are cars and boats considered personal property?

We're often asked by our customers to record cars, boats and RVs when we are compiling their inventory. We are happy to take photos and list these items, and often do, but we caution everyone not to include then when determining the amount of personal property insurance to purchase, as the amount needed would be exaggerated.

These vehicles are not considered part of your home or business personal property and require a separate policy. Therefore, you'll be double-insured, since they are already covered by another policy.