If you own a boat, having boat insurance is always a good idea. Depending on the type of boat that you own, you could be looking at thousands of dollars worth of repairs if your boat is damaged, or a higher amount if you have an accident in the water. But as it is with many forms of insurance, can a boat insurer deny claims? If so, what are some of the reasons that a boat insurance provider might decide to deny your claim? Let’s look at why boat insurers will deny claims so that you can ensure you’re not doing something that might jeopardize your ability to cover an accident or boat damage. If you’re in the market for boat insurance, start here with us at Keltner Insurance in Memphis, TN!

Can Boat Insurers Deny Claims? Yes. Here’s Why

Boat insurers do deny claims, and there are many reasons why they do so. Some of these reasons include:

The damage caused to your boat was either the direct result of or exacerbated by a lack of maintenance, which will result in claim denial.
You were misrepresenting an important aspect of your claim, be it where the boat was located, what condition it was in, or what the boat is supposed to be used for.
You violated certain navigation rules.
There was a failure to comply with surveys, or you were mishandling certain parts of your boat in such a way that put it at risk.
The craft was being operated illegally or negligently.

As long as you take care of your boat, don’t lie about claims, and operate it legally, you should have no problem filing a claim.

Keep Your Boat Safe With Keltner Insurance

Are you seeking boat insurance for your vessel? Here with Keltner Insurance in Memphis, TN, we’ll help you understand your options faster and without so much work on your end. Compare quotes now!