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S & S Insurance Services, Inc.

210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

Instances When Boat Insurance Won’t Cover You

If you purchase a boat insurance policy from S & S Insurance Services Inc. in Oklahoma City, OK, it covers your boat against damage and protects you from liabilities and other risks. However, you need to know that your boat doesn’t cover you against all risks you encounter during your boat ownership.

Here are some common boat insurance exclusions:

Wear and tear

Like your standard auto insurance, boat insurance doesn’t cover the normal wear and tear of your boat. Because your boat will eventually wear down, this isn’t considered a risk by insurers. The good news is that proper maintenance of your boat may slow down the degradation of your vessel.

Mold and pest infestation

If your boat is destroyed by mold or pests, don’t file a claim with your insurance because it’s likely to be ignored. Your insurer expects you to maintain your boat properly to keep mold and pests away from your asset. Consider extermination services to eradicate pests. Also, keeping your boat dry can eliminate mold infestation.

Marine life

Most boat insurance policies don’t cover damage by marine life, including sharks, whales, and octopi. If you like boating in waters infested with unruly creatures, you need to ask your insurer for an add-on.

Faulty equipment

Standard boat insurance doesn’t cover failing parts or those due for replacement. However, if the parts are damaged in an accident or by a risk stated in your policy, your boat insurance should compensate you for the loss.


Your boat insurance is unlikely to cover custom equipment unless it’s stated in your policy. For instance, safety jackets, GPS navigation, and boat modifications are unlikely to be covered by your boat insurance.

Give Us A Call

Need to learn more about insurance in Oklahoma City, OK? Get in touch with S & S Insurance Services Inc. for more information.


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