Does Boat Insurance Cover Rodent Damage?
You notice that some of your boat’s wiring and seat cushions have been chewed and there are also plenty of critter droppings. Your boat insurance can cover rodent damage, but make sure to read the details of your marine policy.
If you don’t check the details of your boat insurance on rodent damage, you could end up paying out of your own pocket for this type of damage and lose fun time on the water while getting the repairs done.
What kind of damage can rodents do to your boat?
Rodents such as squirrels, mice, rats can chew rubber wiring covers as well as upholstery, curtains, and foam cushions on your boat.
They can give their teeth a workout and also chew through hoses and wood on your boat.
Remember that rodents look for a place to nest during cold weather and are attracted to any food you leave on your boat.
Speak to a Western Financial Group boat insurance expert about rodent coverage in your marine policy.
How to prevent rodent damage on your boat
- Always follow the manufacturers’ recommendations when closing up your boat for the winter
- Clean and seal your boat for the winter
- Clean upholstery
- Don’t leave any perishable food on your boat in boating season, or at any time
- Remove any blankets, towels, life jackets, straps, or other cloth articles
- Put moth balls across the deck and on upholstery; you can also try dryer sheets
- Use traps or use repellents to help keep rodents away
- Store your boat in a clean area with a concrete floor
- Remove live bait and clean fish storage areas after fishing
- Visit your boat occasionally during winter
Can you have rodent damage to your boat in the summer?
Yes, it’s possible. Boats are often left unattended for periods during the warm weather and that gives mice and other rodents the opportunity to get on your boat.
If you leave food or you don’t empty drink coolers or ice boxes on your boat, that’s an opportunity for them.
Boat insurance isn’t legally required but it protects your investment in your boat. Marinas and lenders may require boat insurance. Speak to your Western Financial Group boat insurance expert about a marine policy for your boat.
Benefits of boat insurance
- Boat insurance provides financial protection if your speedboat, sailboat, personal watercraft, or any other type of watercraft is involved in an accident, is damaged or stolen.
- Boat insurance includes liability coverage in case you are responsible for another person's injuries or property damage.
Did you know your marine insurance policy depends on:
- Length of watercraft
- Size of motor
- Type of motor (inboard / outboard)
- Type of vessel
- Use (rental to others/sporting activities)
- Boat storage - where it is kept when not in use
