All boat insurance policies have exclusions which include the wording "we exclude all losses resulting from wear, tear or gradual deterioration" or "we exclude all losses directly or indirectly resulting from wear, tear or gradual deterioration." Our policies have the same wording, BUT our Boaters Assistance Program includes Consequential Loss coverage. Consequential Loss says we will pay for all ensuing loss from burning, sinking or collision even if the cause of loss is excluded.

A Policy With Consequential Loss:

If a deteriorated stern-drive boot causes your boat to sink, the cause of loss, deterioration, is excluded. We will exclude the cost of the deteriorated stern-drive boot, but we will pay for all ensuing damage from the sinking. Great News! You're Covered!

Our Boater’s Assistance program ALWAYS provides ensuing loss from sinking. If water enters the boat from the body of water that it is sitting in, we consider that a sinking. It's ALWAYS covered.

A Policy Without Consequential Loss:

If a deteriorated stern-drive boot causes your boat to sink, the cause of loss, deterioration, is excluded. Your entire loss is excluded. Bad News! No Coverage!

Read An Actual Denial Letter:

We have included an actual denial letter from a leading United States Boat Insurance Company. We did remove the insured's information and the name of the insurance company. This company's exclusion reads "we do not provide coverage ... against loss or resulting damage from: a. wear and tear, gradual deterioration, ....

Boat Insurance Guide:

Most of us do not have time to read insurance policies, so we created the boat insurance guide. The goal is for you to find the best rate and coverage for you and your boat. Boat Insurance - All You Need To Know!

The Best of the Best
Boaters Assistance Program
Also Provides:
Lower Electronics Deductible
Non Owned Watercraft Liability
Uninsured Boat Owners
Trip Interruption Coverage
Haul Out in the Event of a Named Storm
Occasional Paid Captain-Crew Included*
Pollution - Fuel Spill Liability
Underinsured Boat Owners**
* full time captain-crew coverage is available
** many companies provide Uninsured but most do not provide Underinsured

+ United Marine Underwriters represents several insurance companies. The Boaters Assistance Program is the only one that provides consequential loss and the other benefits listed above. The details of our quote will show consequential loss if it applies.

++ Boats that are unseaworthy, including boats left unattended (abandoned), neglected, not reasonably fit for intended use, lack of reasonable state of repair to maintain the boat against loss or damage from ordinary weather conditions are excluded from all coverages under the Boaters Assistance Program. Please see policy terms and conditions.