AAIS

American Modern

Northern Insurance

ACE American

PROPERTY

Property covered

Communication equipment

X

  Described boat

X

X

X

X

  Described motor

X

X

X

Described tender

X

X

  Described trailer

X

X

X

X

  Detachable equipment

X

Dinghies and their outboard motors used to service covered property

X

Navigation equipment

X

Newly acquired property

X

X

Non-owned boats

   (any limitation)

X

Operating equipment

X

X

  Personal effects

X

X

X

X

  Photo or electronic equipment

X (with exceptions)

Portable accessories used in the navigation, operation, or maintenance of a boat

X

Radios (CBs, ship-to-shore, radar systems, sonar, or other transmitting and recovering systems) while in or on covered property unless permanently attached

X

Safety equipment

X

Substitute boats

  (any limitation)

X

Previous limit

X

  Trolling motors

X

  Water skis and other sporting equipment

 X

Open or named perils

Open

Open

Open

Open

Exclusions

Bubbling and delamination

X

X

Civil authority

X

  Commercial use

X

 X

Contamination of deterioration

X

Corrosion

X

X

X

X (except electrolytic)

  Criminal acts or omissions

X

Dampness of atmosphere, rot, dry rot, mold, or mildew 

X

X 

Delay, loss of use, or loss of value

X

Diminution in value

X

  Dishonesty

Electrolytic of galvanic action

X

Faulty maintenance

X

  Faulty materials, workmanship, design

X

X 

Fines, penalties, tax liens

X

Freezing, thawing, changes in temperature, overheating

X

X

X

  Governmental action

X

  Illegal transportation of property

X

X

Inadequate lubrication, fuel contamination, abnormal combustion, misalignment of mechanical components

X

Ingestion (not caused by an accident)

X

  Insects, vermin, animals, or marine life   

X

X

X 

X (exception for some damage caused by zebra mussels)

  Intentional acts

X

X

X

X

Lack of reasonable care or due diligence in maintenance

X

Latent defect

X

X

X

X

     Marring, scratching, denting,

X

X

X

X 

  Mechanical breakdown

X

X

X 

Nuclear

X

X

X

Osmosis or blistering

X

X

Owned in whole or in part by someone other than the insured or insured's spouse

X

Power surge

X

Pressure of weight of water, snow, or ice, whether or not driven by wind

X

  Racing

X

X

Riot or revolt

X

Rust, inherent vice, contamination

X

X

X

Seizure by government

X

  Seizure by the lienholder

X

Used as primary or permanent residence

X

 Unseaworthiness

 X

X

  War

X

X

X 

Wear and tear

X

X

X

  While being repaired

X

While being transported over land

X

While being used as a residence

X

     While carrying persons or property for a fee

X

While outside of policy territory

X

X

X

  While rented to others

X

Loss adjustment basis

ACV

Replacement Cost

Replacement Cost

Replacement cost

Wreck removal coverage

X

X (if removal required by law)

LIABILITY

Exclusions

  Care, custody, or control

X

X 

  Commercial use

X

X

  Communicable diseases

X

X

  Contractual liability

X

X

X

X

Controlled substances

X

  Corporal punishment or abuse

X

X

Costs for removal, transportation, or disposal of the insured watercraft

X

  Criminal acts

X

    Damage to owned or  transported property

X

Employees (bodily injury to)

X

Fines or penalties

X

X

X

  Illegal transportation

X

X

Insured (bodily injury to) or insured's household members or family members

X

X

X

  Intentional acts

X

X

X 

X

Jones Act (bodily injury to employees eligible for benefits)

X

  Kite sailing or skiing , parasailing, or other water sports involving tethering or towing

X

X

 X

Noise or vibration

X

  Nuclear

X

X

 X

Officers, shareholders, directors, or partners (bodily injury to)

X

Owned in whole or in part by someone other than named insured or spouse

X

  Owned property

X

X

X 

  Pollution

X

X

  Professional services

X

  Public or livery conveyance

X

  Racing

    (any exceptions)

X

(sailboats)

X

Rented property

X

X

X

Riot or revolt

X

Sailing

X

Salvage charges

X

SCUBA diving

X

Sexual acts

X

Spinnaker flying, hang gliding, or similar

X

Tax liens

X

  Transportation of insured property

X

Trespassers (bodily injury to)

X

X

Unseaworthiness

X

  Used without permission

X

  War

X

X

X 

Water sports accidents

X

  While being towed

X

While being transported on land

X

X

X (except where being hauled out of water or launched)

  While engaged in the boat business

X

While outside policy territory

X

X

X

  While rented to others

X

  Workers compensation    (including Federal Longshore)

X

Defense expense

   Inside limit

X 

X 

   Outside limit

X

X

Punitive damages

    Excluded

X

X 

    Covered

    Silent on issue

X

X 

MEDICAL PAYMENTS

  Time limit

3 years

1 year

1 year

1 year

  Coverage for named insured and family

X

Additional Exclusions 

Bodily injury occurring while insured property is being conveyed, hauled out, or launched

X

Bodily injury occurring while watercraft being operated by any person without insured's or spouse's knowledge and permission

X

Bodily injury to insured's employee when workers compensation is available or required

X

Bodily injury to trespassers

X

X

Insured's employees

X

Intended or expected bodily injury

X

Workers compensation

X

X

CONDITIONS

  Policy territory

U.S.,Canada, Great Lakes, coastal waters extending 100 statute miles or less from the coast of the U.S. or Canada (with exceptions for personal watercraft coverage)

No more than 50 miles from safe port, harbor, or anchorage in U. S. or Canada if watercraft is less than 24 feet long; 150 miles from safe port, harbor, or anchorage in U.S., Canada or Pacific coast of Mexico (Rio Santo Tomas or north) if greater than 24 feet long; also, international shared lakes of the U.S. and Mexico if launched from the U.S. and not docked in Mexico

Specified in declarations.

OTHER COVERAGES

Additional Insureds

X

Equipment on shore

X

Longshore and Harbor Workers Compensation

X

X

Overland transport

X

  Towing

X

 X

 X

X 

  Uninsured boaters

X

X

X