Marine life can damage your boat in a number of ways. If you hit a large animal unexpectedly, like a manatee, dolphin or shark, there can be dents to your boat or damage to the propellor. Other types of marine life, such as mussels, can attach themselves to different parts of the boat, clogging pipes and engine parts. Here at Henderson Insurance Agency, serving the greater Harrisburg, PA area, we are often asked if these types of incidents are covered by boat insurance. Here is the answer.
In most cases, boat insurance will not cover your boat if it has been damaged by sea or marine life. The reason for this is that it is your responsibility to look out for marine life while you are boating. It is also your responsibility to thoroughly clean and maintain your boat. By doing both of these things, you should be able to naturally decrease the chances of either of these incidents occurring.
The exception to the rule is if your boat is being docked in an area where items such as mussels have been shown to be highly invasive. Some insurance companies will sell supplemental insurance policies specifically to cover your boat when it is being docked or used in these invasive waters. If this is the scenario you are facing, contact your preferred insurance company today to discuss supplement insurance availability and getting the cover you need.
If you are in need of boat insurance in the greater Harrisburg, PA area, Henderson Insurance Agency can help you. Contact us today to discuss your needs and to get a quote.