Does boat insurance cover a blown engine?
No, boat insurance generally doesn't cover a blown engine if it's due to wear and tear or negligence. However, if the engine is damaged due to a covered incident, such as severe weather or colliding with an object, then your policy's comprehensive or collision coverage may pay to repair or replace it instead.
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When does boat insurance cover a blown engine?
If your boat's engine, including the lower unit, is damaged because of a collision or an event outside of your control (such as severe weather), then your boat policy's comprehensive or collision coverage may cover the cost to repair or replace it, minus your deductible.
If the damage is due to negligence (such as not performing regular maintenance, oil changes, etc.), then boat insurance typically won't cover the cost to repair or replace the engine.
Does boat insurance cover damage to the lower unit?
Yes, damage to your engine's lower unit is generally covered under comprehensive and collision coverage if it's caused by something out of your control or colliding with another boat or object.
Does insurance cover a cracked engine block on a boat?
It depends on what caused the engine block to crack. A common cause of a cracked engine block is failing to properly winterize a boat. Once it gets cold out, water left inside the motor can expand to the point where the engine block or casing cracks. In that case, the damage would be due to negligence, which wouldn't be covered.
But, if the engine block cracks as a result of a collision or other covered incident, then your collision or comprehensive coverage may cover the damage.
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