A boat’s motor is a crucial component and often represents a significant portion of the vessel’s value. These engines are susceptible to theft, damage from accidents, destruction by severe weather, or mechanical failure. Therefore, boaters in Meridian, ID, may question if insurance covers motors that need repair or replacement.

Collision Coverage

The answer depends on the types of boat insurance you have. A liability-only policy won’t cover damage to your motor. However, collision insurance generally provides coverage if your vessel’s engine gets damaged in a crash. It applies to collisions with boats and some other types of objects, but won’t cover a motor that fails due to mechanical reasons.

Comprehensive Insurance

If you opt for a comprehensive policy, you’ll be protected against most losses involving severe weather or criminal activity. It usually covers motors that are stolen, vandalized, burned in fires, or damaged by heavy winds. The same goes for losses related to hail and lightning. Comprehensive insurance also covers damage caused by hitting animals.

Mechanical Breakdown

If your motor fails for mechanical reasons, it won’t be covered by regular liability, collision, or comprehensive insurance. However, policies with mechanical breakdown coverage do insure against some types of unexpected engine failures. To qualify, a breakdown has to occur suddenly and not because of poor maintenance. Insurers may not offer this option if you have an older boat.

For reliable coverage of your vessel and its motor, turn to Idaho Select Insurance in Meridian, ID. Our agents can help you find the right type of boat policy and compare insurance options from several major companies in one place. To get started today, please get in touch with Idaho Select Insurance.