Does Boat Insurance Cover Sound Systems?

After buying a boat, you may install a pricey sound system in your boat. This allows you and your guests to enjoy music while you are out cruising the waterways. One of the questions that many of our customers at Windermere Insurance, serving the greater Greenwood Lake, NY area, are asked is whether boat insurance will cover this pricey sound system in the event it is stolen, vandalized or damaged in a boat collision. Here is what you need to know.

Does Boat Insurance Cover Sound Systems?

In most cases, your boat insurance policy will exclude parts that are not original to the boat. This includes items such as new motors, light systems and sound systems. If these items are excluded, that means that they are not covered by your boat insurance policy in the event of weather-related damage, vandalism or theft or collision-related damage. 

Is There Any way to Protect Your Sound System?

If you are looking to protect the aftermarket parts that you add to your boat, you will need to purchase supplemental or add-on insurance policies. Depending on what you need to be covered, you may need a custom parts add-on policy or a sound system policy. If you are simply looking to insure the sound system, a sound system policy may be best for you. If you are looking to ensure a variety of extra parts, a custom parts supplemental policy may be ideal for you. 

If you are in the market for boat insurance in the greater Greenwood Lake, NY area, Windermere Insurance would love the opportunity to assist us. Contact us today and let us find you the right boat insurance policy and add-ons to best suit your needs.