Some boat insurance companies have a separate electronics deductible. This deductible is lower than the hull deductible. If you have a $40,000 boat with a 1% ($400) hull deductible, this $400 would apply to electronics unless you have an electronics deductible.

The electronics deductible is a flat amount of $250, $500 or other specific amount. Some boat insurance programs will automatically include a lower electronics deductible while others add it by endorsement for free or for an additional premium. Some companies do not offer a lower electronics deductible.

Review our in-depth Boat Insurance Guide.

See our side by side comparison of the programs represented by United Marine.