Watercraft: Dinghies/Dories/Skiffs

Dinghies, sometimes referred to as "tenders," are used to commute from shore to a boat or ship moored offshore. A dinghy is any type of small, open boat, such as a row boat or life boat.

Dinghies can be rowboats, or small boats powered by small motors.

A small inflatable watercraft qualifies as a dinghy.

A dory is similar to a dinghy but with a wider, flatter hull The main body of the boat. , sharp prow and higher sides. A skiff is very similar to a dory, with a square stern.

Dinghy/Dory/Skiff Features

• Small size with limited seating

• Shallow draft The measure of distance that a boat sinks in the water (the amount of displaced water required to float the boat).

Eligibility

Some dinghies are eligible for insurance in the First Choice program, but other human-powered boats — canoes, kayaks, paddle boats, etc. — are ineligible for American Modern insurance.