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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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Common Boat Insurance Exclusions

One of the best ways to enjoy your watercraft in Federal Way, WA is investing in boat insurance from Hart Insurance. Watercraft insurance protects you and your boat from many perils including, accidents, fire, theft, falling objects, and so on. Regrettably, just like other insurance policies, your boat insurance has exclusions and exceptions — and knowing about these exclusions is crucial, especially when filing a claim.

Thought your boat insurance covers everything under the sun? I suppose you might be wrong. Here are the common risks that aren’t covered by your boat insurance.

Wear and tear

Like most things, your boat will start deteriorating over time. While boaters usually say that the more your boat is worn and weathered, the more you love it, your insurer won’t cover any replacements or repairs due to natural wear and tear.

Marine life

If your boat suffers damage from aquatic animals like sharks, whales, and octopi, it won’t be covered by your boat insurance. So, if you like sailing in waters habited by unruly creatures, you better talk to your insurance agent for a supplemental policy.

Pest and mold infestation

Your insurer expects you to take utmost care of your boat. As such, you won’t be compensated for any damage from pest and mold infestation. Luckily, you can consider periodic extermination services to keep pests away from your boat. Similarly, keep your boat clean and dry to keep mold in check.


Your typical boat insurance doesn’t cover events like racing and stunting. However, if you want to participate in such activities, talk to your insurer about supplemental insurance.

Since boat insurance is wide, there is so much to learn about this coverage, and you might get lost if you try to figure it out on your own. Want to learn more about boat insurance? Please get in touch with Hart Insurance of Federal Way, WA.

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