Blogs and Resources - LA Insurance

The hull identification number/HIN is a unique 12-digit boat identification number that’s assigned to every boat built or imported to the U.S. since 1972.  The HIN is an identifier number for boats similar to the VIN (vehicle identification number) for cars.

Yes, there is insurance for boat docks, and it is usually covered by a homeowner’s insurance policy for a dock that you own. Typically, boat insurance does not cover docks; however, if you’re responsible for damaging someone else’s dock or pier with your boat, then your liability boat insurance coverage will pay for the property damage up to your coverage limit.

Whether boat insurance covers a blown engine mainly depends on how it happened. If it’s due to an accident, or unexpected incident such as fire, or natural disasters such as a severe storm, then your boat insurance will cover it.  

However, if your boat’s engine stopped working due to negligence of proper maintenance, gradual wear and tear, manufacturer's defects, reckless boating, or pre-existing conditions, your boat insurance won’t cover the blown engine.