{"id":171,"date":"2026-06-30T12:00:00","date_gmt":"2026-06-30T18:00:00","guid":{"rendered":"https:\/\/www.theinsurancehousetucson.com\/blog\/?p=171"},"modified":"2026-06-09T18:34:53","modified_gmt":"2026-06-10T00:34:53","slug":"what-s-not-covered-by-boat-insurance","status":"publish","type":"post","link":"https:\/\/www.theinsurancehousetucson.com\/blog\/what-s-not-covered-by-boat-insurance\/","title":{"rendered":"What&#8217;s Not Covered by Boat Insurance?"},"content":{"rendered":"<p>Looking for boat\/watercraft insurance? If you&#8217;re in the Tucson, AZ area, our trusted agents at The Insurance House can help. One of the most important things to consider when you&#8217;re looking for insurance coverage is what&#8217;s actually covered by your policy and what isn&#8217;t. That way, you know what you&#8217;re getting and can make adjustments to your policy and how you use your vessel, so you&#8217;ll have the best chance of enjoying it for the long term.<\/p>\n<h2>Basic Wear and Tear Isn&#8217;t Part of Insurance Coverage<\/h2>\n<p>The standard wear and tear that occurs from using your boat or personal watercraft isn&#8217;t covered by your policy, and neither is a mechanical breakdown or an infestation of insects, rodents, or other pests. That&#8217;s why it&#8217;s always a good idea to take good care of your boat, perform proper maintenance, and ensure it&#8217;s stored somewhere secure. Also, ensure you&#8217;re not reckless with your vessel, as damage from racing or other dangerous activities won&#8217;t be covered by your policy.<\/p>\n<h2>There Are Multiple Coverage Options to Consider<\/h2>\n<p>The type of policy you have affects what&#8217;s covered. Basic boat policies are designed for liability protection, but you can also get comprehensive and collision options like you can with a vehicle. If your vessel is financed, your lender will likely require more complete coverage to protect their interest until the loan is satisfied.<\/p>\n<h2>Working With An Agent Can Increase Your Peace of Mind<\/h2>\n<p>Contact us today at The Insurance House if you&#8217;re in the Tucson, AZ area and looking for a quality boat\/watercraft insurance policy. We can provide you with quotes from multiple insurers, so you can more easily choose the policy that&#8217;s right for your needs. Then, you&#8217;ll know you have as much coverage as you need to keep your vessel safe and sound.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking for boat\/watercraft insurance? If you&#8217;re in the Tucson, AZ area, our trusted agents at The Insurance House can help. One of the most important things to consider when you&#8217;re looking for insurance coverage is what&#8217;s actually covered by your policy and what isn&#8217;t. That way, you know what you&#8217;re getting and can make adjustments [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[17,30,22,8,16],"class_list":["post-171","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-az","tag-boat-watercraft","tag-insurance","tag-the-insurance-house","tag-tucson"],"_links":{"self":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/comments?post=171"}],"version-history":[{"count":1,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/171\/revisions"}],"predecessor-version":[{"id":172,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/171\/revisions\/172"}],"wp:attachment":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/media?parent=171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/categories?post=171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/tags?post=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}