Does Boat Insurance Cover a Blown Engine? While you can purchase car insurance for liability, comprehensive, collision, and a host of other optional possibilities, ranging from uninsured motorist to rental car and towing, you cannot purchase car insurance to cover maintenance or natural wear and tear on your car. Even if you are deemed at-fault in an accident or wreck, you may still be able to claim the damage on your insurance policy. Auto insurance may cover comprehensive and collision breakdowns. Coverage availability varies by state and individual risk situation. You may also use boat insurance to cover any physical damage in or on your boat. Boat insurance covers a blown engine under some circumstances. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Boat insurance coverage is primarily used as liability coverage for equipment and passengers within the boat. Boat insurance packages. Auto Insurance Coverage. On top of that, boat insurance also offers protection against liability lawsuits and medical payments. When Will Insurance Not Cover Breakdowns? Taking a boat out onto the water for a fun day with your friends and family is a great summer activity, especially on those uncomfortably hot days! READ MORE >> Even sailboats might have auxiliary engines that you might need to turn on from time to time. This means that you can be covered if you're at fault for an accident, you hurt someone or damage someone's property. Still, there are a few basic kinds of coverage you can expect to receive, as well as some potential discounts for safe boaters. The age of your motor will also be a factor. You need an engine on your boat to go anywhere. If the boat insurance policy is written on agreed value, some boat insurance companies will replace new for old without a deduction for depreciation, but only until the engine becomes a certain age Boat insurance policies can vary widely in what they do and do not cover based on a number of considerations, including the type of boat, the waters it will traffic, and how many months of the year the boat will be used. Even sailboats might have auxiliary engines that you might need to turn on from time to time. Generally, your policy won't cover the failure of your ride's engine or other mechanical parts if the damage is … Mechanical Breakdown Coverage for lower units and drives. In simplest terms, your policy won’t cover an engine that failed … What does boat insurance cover? Bit technically, it's still accidental damage(or an accident that caused the damage), I would not be to quick to discount it as a possible insurance claim. A dock neighbor mentioned my troubles to the guy who services his boat and he suggested I file a claim. Helps cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat. It might interrupt your trip, after all. This depends not only on your insurance company but also on your policy. Off the water, you may be able to insure your boat on your homeowners policy. Many policies will cover a blown engine when the cause is a manufacturer’s defect, but not if is due to normal wear and tear. We have a wide-range of packages available for different types of boaters: Weekenders. Bodily injury liability covers you if you’re in a boat accident and liable for injuring others. Insurance quotes are not available in D.C. If your car needs repairs because of a situation like this, you can often turn to your auto insurance for assistance. Boat insurance was designed to help you afford the costs related to unpreventable or unavoidable damage to the vessel. Normally excluded from policies, this affordable "wear and tear" add-on coverage pays to repair or replace the lower unit of an outboard motor, or the upper and lower units of a stern drive motor in the event of a mechanical breakdown. Set Sail With Boat Insurance by State Farm ® Our boat insurance can help protect you against the risks of owning and operating your boat, its motor, and the trailer. Marine insurers providing boat and yacht insurance offer a wide range of coverage suited to that company's level of expertise, underwriting appetite, and type of client they wish to attract. Whether you're spending every day on the water or have your boat in storage for the winter, it's important to keep your watercraft protected against the unexpected year round. For 2017, the average annual boat insurance price at Progressive * ranged from $188 in Wisconsin to $495 in Florida. If the boat insurance policy is written on actual cash value, then the engine will always be depreciated in the event of a loss. So, one of the keys to determining whether your policy covers a blown or damaged engine is whether that damage was unpreventable or unavoidable. The cost of watercraft insurance can be impacted by many different things, including your age, type of boat, boating history, coverages, location, and the insurance company you buy from.