Does insurance cover mouse damage?

It’s the nightmare of every boat owner – you open up your boat after it’s been sitting for a while only to discover that rodents have made themselves at home and caused some serious damage. From chewed wires to nesting materials, mouse damage can be costly. But the question is, does insurance cover it?

The answer, unfortunately, is not always a straightforward one. It depends on the type of insurance coverage you have and the specifics of your policy.

If you have a comprehensive boat insurance policy, which typically includes coverage for damages caused by non-collision incidents such as fire, theft, and vandalism, mouse damage may be covered. However, it’s important to thoroughly review your policy and speak with your insurance agent to confirm this coverage.

Some boat insurance policies specifically exclude damage caused by vermin or rodents. In this case, you may need to purchase additional coverage or explore other options such as storing your boat in a rodent-proof facility.

Additionally, depending on the extent of the damage, your insurance deductible may come into play. If the cost of repairs is less than your deductible, your insurance may not cover the damage at all.

To prevent rodent damage in the future, it’s important to take preventative measures such as keeping your boat clean and free of potential nesting materials, sealing off any entry points, and using rodent deterrents such as traps and ultrasonic devices.

At the end of the day, it’s always better to be safe than sorry. Conduct regular inspections of your boat and take action immediately if you suspect any rodent activity. And remember, always review your insurance policy and speak with your agent to fully understand your coverage options.

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