What Does Boat Insurance Not Cover?

Boating can be a fun and exhilarating experience, but it also comes with its fair share of risks. That’s why boat insurance is essential for any boat owner. However, it’s important to understand what boat insurance does and doesn’t cover….

Boating can be a fun and exhilarating experience, but it also comes with its fair share of risks. That’s why boat insurance is essential for any boat owner. However, it’s important to understand what boat insurance does and doesn’t cover. In this article, we’ll take a closer look at what boat insurance doesn’t cover, so you can be fully informed and prepared for any unexpected situations that may arise on the water.

While boat insurance can provide valuable protection in many scenarios, there are certain situations where coverage may not apply. From damage caused by wear and tear to losses from intentional acts, it’s important to know the exclusions in your policy. Understanding what isn’t covered by boat insurance can help you make more informed decisions about how to protect yourself and your vessel on the water.

What Does Boat Insurance Not Cover?

What Does Boat Insurance Not Cover?

Boat insurance is an essential coverage for any boat owner. It can protect you against unexpected damages, accidents, and liabilities. But, like any other insurance, there are limitations to what boat insurance covers. In this article, we will discuss some of the common things that boat insurance does not cover.

Wear and Tear

Boat insurance does not cover wear and tear. Like any other vehicle, boats are prone to wear and tear due to regular use. This means that if your boat’s engine breaks down due to regular wear and tear, your insurance policy will not cover the repair costs. However, if the engine breaks down due to an accident, your policy will cover the repair costs.

Mechanical Breakdown

Boat insurance does not cover mechanical breakdowns. Mechanical breakdowns are not considered accidents, and therefore, insurance policies do not cover them. This means that if your boat’s engine breaks down due to a mechanical problem, your insurance policy will not cover the repair costs.

However, some insurance companies offer additional coverage for mechanical breakdowns. This coverage is usually an add-on to your policy and comes with an additional cost.

Personal Belongings

Boat insurance does not cover personal belongings. If you have expensive personal belongings on board, such as jewelry, cameras, or laptops, they are not covered by your boat insurance policy. However, you can purchase additional coverage for your personal belongings.

Commercial Use

Boat insurance does not cover commercial use. If you are using your boat for commercial purposes, such as a charter or rental boat, your insurance policy will not cover any damages or liabilities that may occur.

Intentional Acts

Boat insurance does not cover intentional acts. If you intentionally damage your boat or someone else’s boat, your insurance policy will not cover the damages. This includes damages caused by intentional acts of others, such as vandalism or theft.

Uninsured Boaters

Boat insurance does not cover uninsured boaters. If you get into an accident with an uninsured boater, your insurance policy will not cover the damages or liabilities. However, some insurance companies offer additional coverage for uninsured boaters.

Environmental Damage

Boat insurance does not cover environmental damage. If your boat causes damage to the environment, such as an oil spill, your insurance policy will not cover the damages. You may be held liable for the damages and may have to pay for the cleanup costs.

High-Performance Boats

Boat insurance does not cover high-performance boats. High-performance boats are boats that can go faster than 50 miles per hour. These boats are considered high-risk, and insurance companies may not provide coverage for them. However, some insurance companies offer additional coverage for high-performance boats.

Consequential Damages

Boat insurance does not cover consequential damages. Consequential damages are the damages that occur as a result of an accident or incident. For example, if your boat sinks, your insurance policy will cover the damages to the boat, but it will not cover the damages to the cargo or personal belongings on board.

Improper Maintenance

Boat insurance does not cover damages caused by improper maintenance. It is the responsibility of the boat owner to maintain and upkeep their boat. If damages occur due to lack of maintenance, your insurance policy will not cover the repair costs.

In conclusion, boat insurance is a necessary coverage for any boat owner. However, it is important to understand the limitations of your policy. Knowing what your policy does not cover can help you make informed decisions and prevent any surprises in the event of an accident or incident.

Frequently Asked Questions

Here are some common questions about what boat insurance covers and what it does not cover.

Does boat insurance cover hurricane damage?

Most boat insurance policies will cover damage caused by a hurricane, as long as the policy was in effect before the storm was named. However, some policies may have specific exclusions or limitations for hurricane damage, so it’s important to review your policy carefully.

Additionally, if your boat is located in an area that is prone to hurricanes, you may want to consider purchasing additional coverage or a separate hurricane insurance policy.

What types of boats are not covered by boat insurance?

Most boat insurance policies will not cover personal watercraft, such as jet skis, wave runners, or other similar watercraft. Additionally, some policies may have restrictions or limitations on coverage for high-performance boats, boats over a certain age, or boats that are used for racing.

If you have a unique or specialized type of boat, it’s important to discuss your coverage options with your insurance provider to ensure that your boat is adequately protected.

Does boat insurance cover environmental damage?

Most boat insurance policies will not cover damage caused by environmental factors, such as wear and tear, corrosion, or gradual deterioration. Additionally, some policies may have exclusions for damage caused by pollution or other environmental hazards.

If you are concerned about the potential for environmental damage to your boat, you may want to consider purchasing additional coverage or a separate environmental insurance policy.

Does boat insurance cover theft?

Most boat insurance policies will cover theft of your boat or its components, as long as the theft is reported to the authorities and the insurance company as soon as possible. However, some policies may have exclusions or limitations on coverage for theft, so it’s important to review your policy carefully.

To help protect against theft, you may want to consider installing security measures such as an alarm system or GPS tracking device, and storing your boat in a secure location when not in use.

Does boat insurance cover personal belongings on board?

Most boat insurance policies will cover personal belongings that are on board your boat, such as clothing, electronics, and other items. However, there may be limits on the amount of coverage for personal belongings, and some policies may have exclusions for certain types of items.

To ensure that your personal belongings are adequately protected, it’s important to review your policy and consider purchasing additional coverage if necessary.

Boat Insurance Should Cover These 10 Basic Things


In conclusion, boat insurance provides vital coverage for boat owners, protecting them from costly losses and liabilities. However, it’s essential to understand what boat insurance does not cover to ensure that your vessel is adequately protected.

Firstly, boat insurance typically does not cover wear and tear or damage caused by lack of maintenance. It’s crucial to keep your boat in good condition and address any repairs or maintenance issues promptly to avoid potential insurance coverage gaps.

Secondly, boat insurance may exclude coverage for intentional acts or illegal activities, such as using your boat for smuggling or intentionally causing damage to another vessel. Always use your boat responsibly and follow all applicable laws and regulations to avoid potential insurance issues.

Lastly, some boat insurance policies may not cover certain types of watercraft, such as personal watercraft or high-performance boats. Be sure to check with your insurance provider to ensure that your specific vessel is covered under your policy.

In summary, understanding what boat insurance does not cover is just as important as understanding what it does cover. By addressing any potential coverage gaps and using your boat responsibly, you can enjoy your time on the water with the peace of mind that comes with adequate insurance protection.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *