Blogs and Resources - LA Insurance

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.

Whether you’re thinking of purchasing a boat insurance policy or you’re about to claim your boat insurance coverage, it is essential to know what it covers and what it doesn’t.  

Without adequate knowledge of what boat insurance covers, it can be confusing to determine which boat insurance coverage you actually need. You may either spend more on unnecessary coverage or miss out on essential coverage.