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 coverage; the policy with the
machinery damage exclusion would most likely not cover the loss.
Review what is covered.
Review our in-depth Boat Insurance Guide.
See our side by side comparison of the programs represented
by United Marine.