Boat propellers are often out of mind as they are out of sight. However, propellers are incredibly important as they make boats move through the water from point A to point B and beyond. The last thing you want is to be stuck in the middle of a lake, river or ocean without a functional propeller.

Will insurance cover your boat’s propeller? Our boat insurance professionals serving Plymouth, MN, the land of 10,000 lakes, is here to help answer this important question.

Boat Insurance and Propellers

Boat insurance has its limitations. However, propellers are generally covered. As long as the damage to the propeller occurred as a result of a collision or contact with an object below the water, it will likely be covered.

From propeller strikes to collisions with other rocks, logs, boats and docks, all such accidents are typically covered.  However, there are some exceptions as detailed below.

Read the Small Print

Take a close look at your boat insurance and you’ll find certain policies include language accounting for mechanical breakdowns while others do not. Moreover, depreciation of propellers and other gear might not be covered by your policy. 

Reach out to your insurance carrier to determine if your coverage is applicable to your propeller. You might also be interested in adding on specific “endorsements” for additional coverage.

Anchor Insurance Agency LLP is on Your Side 

If you are in the market for boat insurance in Plymouth, MN, make us your first call. Pick our brains, ask questions, raise concerns and we’ll help you find the right insurance policy for your needs. You can reach our insurance professionals at Anchor Insurance Agency LLP by dialing 763-473-4090.