Is Boat Insurance a Scam? What They Don’t Tell You Until It’s Too Late

Is Boat Insurance a Scam? Not always. But there are 5 brutal truths they don’t tell you until you’re on the phone, filing a claim, and hearing the word "Denied." In this video, we expose the fine print that could leave you stranded: The Survey Trap: How your own survey report becomes a weapon to deny coverage. Liability-Only: Why "cheap insurance" could cost you everything if your boat sinks. Too Old to Cover: The quiet filter cutting classic boats out of the system. The Horizon Line: Why your policy might become void the moment you sail offshore. Denied Claims: Real stories of lightning strikes, fires, and rigging failures that got rejected. Don't let hidden exclusions blindside you. Understand the game before you buy. ⏱️ CHAPTERS: 00:00 Intro: You Think You're Covered... 00:48 1. The Survey Trap 02:37 2. Liability-Only: Not What You Think 04:36 3. Too Old to Cover? 06:34 4. Your Policy Ends at the Horizon 08:35 5. Denied! Real Claims That Got Rejected 10:50 Outro: It's Not Your Friend 🔔 Subscribe for more honest advice on boat ownership, sailing costs, and navigating the marine industry. 💬 Have you ever had an insurance claim denied? Share your story in the comments below. #BoatInsurance #MarineInsurance #SailingTips #BoatOwnership #InsuranceScam #SailingLife