All boat insurance policies have exclusions. The excluded items vary from company to company but generally include loss caused by wear and tear, gradual deterioration, weathering, insects, mold, animals and marine life. Some companies include coverage for damage caused by zebra mussels; others do not.
The key types of boat rental insurance you should consider include: Liability Coverage: Protects against damage to other boats, docks, or people. Collision Coverage: Pays for damage to your boat if it collides with something.
California. Boat rental businesses in California must register with the state's Department of Boating and Waterways prior to operating within the state's waterways. All each rental boat used for recreational purposes must also be registered with the department as well.
If you don't cover your boat, you can expect to spend a few days cleaning and repairing the upholstery in the cabin, removing mold and mildew, and likely even replacing carpet or other fabrics. Additionally, when snow and ice pile up on the deck of your boat, they'll melt and refreeze throughout the winter months.