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A watercraft policy typically covers from damage caused by;

  • a collision
  • sinking
  • an accident
  • vandalism
  • theft

Most boat policies cover physical damage to;

  • the hull
  • machinery
  • furnishings
  • most on-board equipment
  • boat trailer for damage from an external cause (needs to be listed in the policy).

Each policy provides detail on what is covered and what is excluded.