Will Boat Insurance Cover a Cracked Block?

Boat Insurance Coverage

• Boat insurance policies typically cover damage to the boat, theft, liability for accidents, and bodily injury or property damage to others.
• Coverage options can vary. Some companies also offer towing coverage, coverage for personal belongings, and protection for custom equipment.
• Basic liability insurance does not cover theft, but comprehensive insurance coverage can offer protection from a stolen boat.

Cracked Engine Block

• Boat insurance will cover engine damage or a cracked engine block only if not related to normal wear and tear due to lack of maintenance.
• The cost to repair a cracked engine block can vary considerably depending on the severity of the crack and the garage visited.

Causes and Effects of Cracked Engine Block

• One of the primary causes of a cracked engine block is freezing during winter.
• When liquids freeze and thaw within the engine block, the expansion and contraction can lead to cracks.