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Limited hull cover, in the boat insurance glossary

Boat insurance term, area: Hull

Owners tend to sort hull cover into two levels, and the narrow one is what a cheaper policy buys. It answers for listed events only: storm, lightning, fire, explosion and the theft of the whole boat. Damage the helm causes in calm weather, a grounding on a sandbank or a knock against the pontoon, falls outside it. Two details decide how narrow the cover really is. The wording usually sets a wind force from which weather counts as a storm, often Beaufort 8, and it may insure the theft of the whole boat while leaving the gear bolted to it unprotected.

What to check: Which events does the hull section actually list, and from what wind force does the wording treat weather as a storm? And if theft of the whole boat is insured, does that extend to the outboard, the tender and the electronics bolted into the cockpit?

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