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What is excluded?

All boat insurance policies have exclusions. The excluded items vary from company to company but generally include loss caused by wear and tear, gradual deterioration, weathering, insects, mold, animals and marine life. Some companies include coverage for damage caused by zebra mussels; others do not. Additional excluded items may include marring, scratching or denting, osmosis or blistering, manufacturer's defects or defect in designs, and corrosion, except electrolytic (stray current) corrosion.

Most policies also exclude items having a latent defect that causes damage to your insured property; however, resulting damage may be covered. If your water pump is defective, a policy may not pay for the water pump but may pay all resulting damage to the engine.

Some boat insurance policies have machinery damage exclusions and others do not. Forget to put oil in your engine and the policy that does not have a machinery damage exclusion may provide covered; the policy with the machinery damage exclusion would most likely not cover the loss.

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