What Does Comprehensive Boat Insurance Cover?

Last Updated on October 16, 2022

Boat insurance is an insurance policy that provides financial protection for boat owners in the event of damage to their vessel. Comprehensive boat insurance policies typically cover damages caused by weather, fire, theft, and collisions with other boats or objects. Some policies also provide coverage for medical expenses incurred as a result of accidents on the water.

Boat Insurance Should Cover These 10 Basic Things

If you own a boat, you may be wondering what kind of insurance you need to protect your investment. Comprehensive boat insurance is one type of coverage that can provide financial protection in the event of an accident or other unforeseen incident. So, what does comprehensive boat insurance cover?

This type of policy typically covers damage to your boat caused by events such as fire, theft, weather, and collisions. It can also provide coverage for medical expenses if someone is injured while on your vessel. In some cases, comprehensive boat insurance may also cover the cost of towing and storage if your vessel is damaged and needs to be removed from the water.

As with any insurance policy, it’s important to understand the terms and conditions of your coverage before you purchase a policy. Be sure to work with an experienced agent who can help you select the right coverage for your needs and budget.

Progressive Boat Insurance Reviews

When it comes to boat insurance, Progressive is one of the most popular options out there. And for good reason – they offer a variety of coverage options and discounts that can save you money on your premium. But what do customers think of Progressive boat insurance?

In this article, we’ll take a look at some Progressive boat insurance reviews to see what people are saying about their experience with the company. Overall, Progressive boat insurance reviews are positive. Customers appreciate the variety of coverage options and discounts available, and many say that claims are processed quickly and efficiently.

Of course, no company is perfect, and there are a few complaints about rate increases and customer service issues. But overall, Progressive seems to be a solid choice for boat insurance.

Progressive Denied Boat Claim

If you’re a boat owner, chances are you’ve heard of Progressive Insurance. They’re one of the largest providers of boat insurance in the United States. But what happens if you need to make a claim with them?

In this blog post, we’ll take a look at one boat owner’s experience with Progressive Insurance. We’ll see how they handled his claim, and what could have been done better. The Boat Owner’s Experience

The boat owner we’ll call “John” had owned his boat for about 5 years. He kept it docked at a marina on Lake Erie, and used it regularly for fishing and pleasure trips. In September 2018, Hurricane Florence hit the East Coast of the United States.

The storm surge from the hurricane damaged John’s dock, and his boat was lifted up and smashed against the dock pilings. The hull was severely damaged, and the engine was completely destroyed. when he spoke to customer service on October 2nd.

” “Progressive has been absolutely terrible to deal with,” John told us. “They denied my claim outright without even looking at the damage.”

John says he was given no explanation for why his claim was denied, other than that it didn’t meet their criteria for covered damages. What Could Have Been Done Better?

What Does Boat Insurance Cover

Boat insurance is a type of insurance that helps protect you financially if your boat is damaged in an accident, stolen, or vandalized. It can also help cover the costs of medical expenses if you or someone else is injured while on your boat. Boat insurance typically covers the boat itself, as well as any equipment or accessories that are permanently attached to it.

It’s important to note that not all boat insurance policies are created equal—some may offer more coverage than others. When shopping for boat insurance, be sure to ask about the following: • Coverage limits: How much will the insurer pay out if your boat is damaged or stolen?

• Deductibles: How much will you have to pay out of pocket before the insurer steps in? • Policy exclusions: What isn’t covered by your policy? Make sure you understand what could void your coverage so you can avoid any surprises down the road.

What Does Boat Insurance Not Cover

Boat insurance is a vital part of owning a boat, but it’s important to know what it does and doesn’t cover. Most policies will cover damage to your boat, including sinking, fire, theft, and collisions. However, there are some things that are not covered by boat insurance.

These include: -Wear and tear: Over time, boats will naturally start to show signs of wear and tear. This is not covered by boat insurance.

-Mechanical problems: If your boat has mechanical problems that cause it to sink or catch fire, this will not be covered by your policy. -Weather damage: Damage caused by storms or other weather events is typically not covered by boat insurance. -Negligence: If you damage your boat through negligence (e.g., leaving it unattended in a hurricane), your policy will likely not cover the damages.

Does Boat Insurance Cover Lower Unit Damage

Most boat insurance policies will cover damage to the lower unit of your outboard motor. However, it is important to check with your insurer to be sure, as some policies may exclude this type of coverage. Lower unit damage can be caused by a number of things, such as hitting a submerged object, running aground, or being damaged in a storm.

If your lower unit is damaged, it can be expensive to repair or replace. Therefore, it is important to have adequate insurance coverage in place in case you need to make a claim.

What is Not Covered by Boat Insurance?

Boat insurance is a type of insurance that helps protect you financially if your boat is damaged in an accident or stolen. It does not, however, cover everything. Here are some things that are typically not covered by boat insurance:

-Damage caused by wear and tear: Over time, your boat will inevitably start to show signs of wear and tear. This is normal and expected, and most boat insurance policies will not cover this type of damage. -Damage caused by poor maintenance: If you don’t properly maintain your boat, it’s more likely to break down or be involved in an accident.

As such, most insurers will not cover damage caused by poor maintenance. -Intentional damage: If you intentionally damage your own boat (or someone else’s), your insurer will probably not cover the repairs. -Losses due to theft: Many policies will only cover losses if the thief stole the whole vessel.

If just some items were taken from your boat (e.g., fishing gear), then the policy may not pay out anything for those particular items.

Does Full Coverage Boat Insurance Cover a Blown Motor?

No, full coverage boat insurance does not cover a blown motor. However, it may cover some of the costs associated with repairing or replacing the motor.

Does Boat Insurance Cover Damage to Lower Unit?

Yes, most boat insurance policies will cover damage to the lower unit. This is typically considered to be part of the hull coverage, and so long as the damage is not caused by negligence or lack of maintenance on your part, it should be covered.

Does Boat Insurance Cover Hitting a Stump?

No, your boat insurance policy will not cover any damages that occur as a result of hitting a stump. This is considered to be an “act of nature” and is therefore not covered under most standard boat insurance policies. However, you may be able to purchase additional coverage for this type of event by purchasing a separate rider or endorsement from your insurer.


If you have a boat, you may be wondering if you need to get insurance for it. The answer is maybe. It depends on a few factors, such as the value of your boat and how often you use it.

If you have a loan on your boat, your lender will likely require you to get comprehensive coverage. Comprehensive coverage protects your boat from damage that is not caused by collision or sinking. This can include damage from fire, theft, vandalism, or hitting an object like a dock or another boat.

It can also cover the cost of replacing any personal belongings that were on the boat when the damage occurred. The amount of coverage you need will depend on the value of your boat and what kind of activities you use it for. If you only take your boat out for leisurely cruises around the lake, you may not need as much coverage as someone who uses their vessel for fishing or racing competitions.

Work with your insurance agent to determine how much coverage is right for you.