Will My Friend's Insurance Cover A Tree Falling On My Uninsured Boat? 
You would be looking at paying for the repairs out-of-pocket . Insurance on a vehicle only covers the vehicle -LRB- s -RRB- designated for the coverage . For example , your friend 's insurance would only cover vehicle -LRB- s -RRB- covered under his plan , which from your information would indicate your boat is not covered . Some policies may have liability coverage if the insured person 's property damaged someone else 's property , but that does not appear to be the case here . Given that a tree fell on it , your boat would only be covered if you had insurance on it . 