Thursday, May 9, 2024

Does Boat Insurance Cover Lower Unit

Progressive: Best For Cheap Boat Insurance

Outboard Lower Unit Troubleshooting | Outboard Engine Lower Unit Issues |
  • Rates as low as $100 per year

  • Wide array of coverage

  • Restrictions on types of boats covered

  • Strict coverage limitations in areas with hurricane risk


As expected from one of the industry leaders in personal property insurance, Progressive offers all of the major coverage and more, including:

  • Bodily injury and property damage liability
  • Comprehensive coverage
  • Propulsion Plus mechanical breakdown coverage
  • Sign & Glide on-water towing
  • Fishing equipment or carry-on items
  • Water sports injury coverage
  • Fuel spills and wreckage removal
  • Roadside assistance and trip interruption
  • Full replacement cost


You can potentially save even more with Progressive by qualifying for some of the following discounts:

Additionally, Progressive offers these perks that help customers save on their boat insurance over time:

  • Small Accident Forgiveness This prevents your rates from increasing if you end up in a boating accident with a claim under $500.
  • Large Accident Forgiveness This prevents your rates from increasing after an accident if youve previously remained accident free for three years.
  • Disappearing Deductible Your deductible lowers by 25% for each period you remain claim free until it finally reaches zero.


Progressive boat insurance is only available for boats up to 50 feet in length, and in some states that experience higher hurricane risks, the limitations are 35 feet and $175,000 in value.

Additional Perks

Basic Boat Insurance Coverages

Bodily injury liability

If you cause an accident with your boat and someone is injured, this coverage can help pay their medical bills and loss of income.

Property damage liability

This coverage helps pay for damages to another persons vehicle or property, if you cause an accident with your boat. Pollution liability coverage and wreckage removal are included.


Collision pays for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment if youre in a covered accident with another boat or object.


This coverage can help pay for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment from losses other than collision. This includes damage from fire, theft or storms.

Uninsured motorist

Helps pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an uninsured or hit-and-run boater.

Underinsured motorist

Could pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an underinsured boater.

Medical payments coverage

Med pay can help cover medical bills if you or others are injured while operating or occupying your boat.

Boat Insurance Basics: What’s Covered

Learn about boat owners insurance and what the coverage means to you.

Did you know that boat insurance is one of the earliest known forms of insurance? Ancient sailors knew firsthand about the risks of a life at sea and sought to insure their boats against hurricanes and other unpredictable weather and waters. And it still applies today.

Boat insurance policies can vary widely in what they do and do not cover based on a number of considerations, including the type of boat, the waters it will traffic, and how many months of the year the boat will be used. Still, there are a few basic kinds of coverage you can expect to receive, as well as some potential discounts for safe boaters.

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Re: Lower Unit Damageinsurance

When you purchase insurance over the internet…..expect to be treated this way! They will just deny the claim in hopes that you do not fight them. Do yourself a favor if you haven’t already and get a good Independent Agent on your side that will FIGHT FOR YOU!! Call your agent if you have one…….there should be coverage for your lower unit for hitting a submerged object……the insurance company is handing you a line of B.S.!Good luck!

Should You Insure Your Boat Even If You Only Use It Seasonally

Moving and Storage Insurance

Yes. Even if you use your boat only a few months out of the year, it’s still important to protect yourself against fire, theft, vandalism, and even liability while your boat is in storage.

Fortunately, quality coverage is affordable. Plus, your policy premium also considers the length of the boating season in your state.

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Fishing Equipment Or Carry

You can get full replacement cost up to $10,000 for fishing equipment and up to $5,000 for personal property such as scuba gear, phones or other items that you carry on board and are lost or stolen.

Example: $5,000 worth of fishing equipment is stolen from your boat, but its a few years old and only worth $2,000. Progressive pays what it costs to buy brand new equipment . That could be $5,000 or even more.

Tips & Recommendations For Replacing Your Gearcase Lower Unit

It happens just plain bad luck hitting an underwater tree stump, rock or other invisible debris and your boat lower unit is shot. After you get towed safely back to shore and have a chance to regroup, what are your next action steps? We have written this article to outline the step you should take if you damage your lower unit. Use this as a reference tool as you navigate through the process of repairing or replacing your gearcase lower unit.

First off, if you think you have damage to your lower unit but are hoping that it will be okay if you ignore the problem, be aware that internal damage to your unit may not be noticeable right away. Slightly damaged gears may seem to work fine at first but over time the off-kilter gears will wear away and cause eventual failure. We recommend you have your motor diagnosed thoroughly to determine if you have internal damage. Check out this forum for further evidence: What smacking a boulder does to your lower unit gears.

The choices you have when replacing a lower unit include a brand-new OEM unit, a remanufactured OEM unit or a new aftermarket unit. I will discuss the pros and cons of each below.

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How Does Boat Insurance Cover Engine Damage

If your insurer agrees to cover it, how you get reimbursed for your engine depends on the coverage outlined in your policy. With actual cash value protection, youll always receive less than what you paid for your engine due to depreciation. The older the engine is at the time of its failure, the less youll get for it.

With an agreed-upon value or hull value policy, your insurer may pay to replace a new one without accounting for depreciation if its within a few years old. The cut-off for deducting appreciation varies by company its usually between 3 to 7 years. For instance, one insurer may replace your 5-year-old engine without deducting depreciation, while another one may.

Your provider also might have certain limits when replacing your engine. For example, Progressive will cover engines up to 700 HP for single engines or 1,400 HP for twin engines on cruisers, motor yachts, and ski/wake boats with inboard or inboard/outboard engines.

Does Boat Insurance Cover Engine Damage

How To Winterize a Pontoon Boat (Navigloo Cover, Fuel Stabilizer, Lower Unit Oil Change)

Boat insurance sometimes covers engine damage. This varies from company to company, as well as by policy. Some insurance companies have machinery damage exclusions while others do not it often depends on the age of the motor. Reimbursement may include replacement cost or be subject to depreciation.

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Nationwide: Best For Policy Bundling

  • Multi-policy discount for those who bundle boat insurance and at least one other policy with Nationwide

  • Boat insurance packages to help customers save money

  • Not all coverages and discounts available in all states

  • Cant manage boat policy on the mobile app

Nationwide offers lots of options for boat insurance coverage, including:

  • Bodily injury and property damage liability
  • Collision coverage
  • Roadside assistance
  • On-water boat towing and labor
  • Fishing equipment insurance
  • Personal effects insurance

Furthermore, there may be additional savings on your boat insurance when you select one of Nationwides boat insurance packages. The company offers a wide range of packages for different types of boaters, such as:

  • Weekenders For those who simply take gear onto their boat and remove it when theyre done, Nationwide offers an affordable package that includes up to $1,000 for fishing equipment, $3,000 for personal effects, and $500 for towing.
  • Overnighters For those who take short boating trips, Nationwide offers up to $2,500 for fishing equipment, $5,000 for personal effects, and $2,500 for towing.
  • Light Tackle Anglers For customers who own a bass boat or smaller fishing boat, Nationwide offers up to $5,000 for fishing equipment, $2,000 for personal effects, and $2,500 for towing.
  • Deep Water Pros For those who fish big waters, gulfs, bays, and oceans, Nationwide offers up to $10,000 for fishing equipment, $5,000 for personal effects, and $2,500 for towing.



Does Boat Insurance Cover Running Aground

Other coverages incorporated into boat insurance policies may include: Hurricane haul-out provisions to keep the boat out of harms way before a windstorm. On-water towing and assistance for unexpected breakdowns or running aground. Fuel spill liability protection for damages caused by a boats accidental discharge.16 mai 2019

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Fishing Line: Will It Damage My Outboard

Catching fishing line on a prop is all too common, and it can lead to serious damage without proper attention.

Question: I am about to start working on my outboard engine, getting it ready for the upcoming season. Yesterday I took the propeller off because I have finally decided to replace my beat up aluminum propeller with a stainless steel unit. After I got the prop off I noticed a bunch of monofilament fishing line wrapped around the shaft. Can this stuff damage my outboard?

Fishing line like this monofilament can damage the lip seals on your outboard, allowing water into the gear case.


What Does Bass Boat Insurance Cover

Boat Insurance: Get a Quote Online

You can always get the basics, like liability to cover you if youre at fault in a boating accident and comprehensive/collision to cover your watercraft against physical damage. But the best bass boat insurance will offer special coverages to safeguard your boating experience. Here are some common bass boat coverages our customers enjoy:

Propulsion Plus® mechanical breakdown coverage

Add Propulsion Plus coverage and well pay to repair or replace the lower unit of your bass boats outboard motor for failure due to mechanical breakdown. Youre even covered if the damage is caused by general wear and tear.

Fishing equipment coverage

You can select full replacement coverage up to $10,000 for fishing rods, reels, tackle boxes, etc. Plus, you can also add personal effects coverage for items you carry on your boat, such as phones, SCUBA gear, etc. Your items are covered if theyre damaged, stolen, or fall off your boat.

Trailer trip interruption

For just $10/annually, Progressive reimburses you for food, hotel, and other transportation expenses if your boat trailer or tow vehicle breaks down more than 100 miles away from home.

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Optional Boat Insurance Coverages

On-water boat towing & labor

Covers towing expenses and other emergency services, up to selected limits, if your boat becomes disabled on the water.

Roadside Assistance for boats

May pay for on-site labor for your tow vehicle or boat trailer, or towing to the nearest qualified repair facility.

Fishing equipment insurance

Helps cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat.

Personal effects insurance

Potentially covers the replacement cost for loss or damage to your personal property while onboard, or while being carried on or off an insured boat.

Foremost: Best Variety Of Coverage

  • Variety of packages and coverage options

  • Several great discounts

  • Limitations on who can receive coverage

  • No mobile app

When it comes to coverage, Foremost offers many standard coverage options, including:

  • Watercraft physical damage
  • Personal property

Additionally, Foremost offers numerous packages that let boaters customize the coverage they receive. These include:

  • Saver Package The most affordable package includes cash value settlements in case of a total loss
  • Plus Package Includes all of the basic coverage plus agreed value/total loss replacement cost settlement, watersports liability, diminishing deductible, depreciation deferral, and hurricane haul-out
  • Elite Package Offers the most coverage possible, with perks such as boat lift/hoist/cradle coverage, fishing tournament fee reimbursement, pet insurance, trip interruption coverage, enhanced towing services, Bahamas and Mexico navigation coverage, extended total loss replacement, and depreciation deferral
  • Pontoon and Pontoon Elite Packages For the specific needs of pontoon boats
  • Classic and Classic Elite Packages For boats more than 25 years old
  • Performance and Performance Elite Packages For speedboats that reach speeds of 77 mph or greater
  • Personal Watercraft Insurance With features specifically tailored for personal watercraft



Additional Perks

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How To File An Insurance Claim For Boat Damage

To help get your life back on track quickly and as stress-free as possible, we try to make the claims process uncomplicated. If you need to file an insurance claim for boat damage, you have options:

1.File your claim with your agent, online, through My Account or give us a call at 1-800-MYAMFAM

2.Youll want to have this information on hand:

  • The date and time of the event.
  • A brief description of what happened.

3.After you file a boat insurance claim, our on-call team of experts will be on site as quickly as possible, inspecting the damage and making sure you have everything you need to keep your life moving forward.

Propulsion Plus Mechanical Breakdown Coverage

Changing Lower Unit or Sterndrive Oil On A Boat | BoatUS

Well pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, well still cover it if its caused by general wear and tear. Starts at $38/year. Propulsion Plus does not apply to jet drives or inboard motors.

Example: Your 10-year old lower unit simply runs its course and dies on you. Typically, insurance wouldnt pay for that because wear and tear is not covered. This coverage is different. Add Propulsion Plus, and, if it cant repaired, well replace it with a brand new one.

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Does Insurance Cover Boat Sinking

Does boat insurance cover sinking? In most cases, boat insurance does cover sinking if you have hull insurance. If you have complied with all the conditions of your insurance policy and your boat sinks through covered reasons, you will be reimbursed for losing your boat less any deductibles in the policy.

Does Boat Insurance Cover Lower Unit Damage

All boat insurance policies have exclusions. The boat owner has the responsibility to maintain their boat, and so normal wear and tear is often excluded under a boat or yacht policy. Other exclusions can include gradual deterioration, weathering, insects, mold, animals, and other marine life.


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Quotes Cost And Discounts

There are many factors that go into determining the premium for your boat the amount of coverage you want, your boat’s location, use, size, age, power type along with your ownership and operating experience. For a free quote, visit our online application or call 800-283-2883 to speak with an underwriter.

While the amount you pay for insurance has to be a factor in the selection of your protection package, it is more important to consider the types of losses covered, how much you will collect in the event of a loss, what assistance is available in an emergency, and what level of service you will receive. The boat owner should select a carrier, agent, and policy that meets their specific needs. In most cases, this means not selecting a policy based on the price, but on what you get in return. Even large differences in premium will be made up quickly if you select an inadequate policy, an uninformed agent, or an indifferent carrier.

First and foremost, choose a policy that best fits your boating needs. Some factors that can influence your premium:


I Wrecked My Lower Unit Will Insurance Cover It

The Battle Against Underwater Corrosion
  • 26 46′ 18.72″N 80 02′ 47.34″W
  • Posts:

carolinianI’m wondering if anyone knows about boat insurance. My question is a general question as I’m sure policies from different insurance companies all differ to some degree, but…Here’s what happened:A couple nights ago, I was landing my boat and, I forgot to raise the trim, and as I attempted to drive it onto my trailer the prop/lower unit got hung up on the bottom and… the lower unit was totally destroyed. It was actually only connected to the boat itself by a couple of cables. The lower unit was actually laying there on its side with the drive shaft sticking out. It was surreal let me tell you. I’ve had this boat for 6 years and landed it many many times with never any problems.I have full coverage, and as I understand it, policies usually cover collisions , and I suppose this is a collision, but I wonder if there are any rules pertaining to such a boneheaded mistake on my part. Boat is a 18′ bow rider with a 4.3 liter merc I/O…..Anyone have any opinions, would be greatly appreciated!Thanks in advance….

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