Go Back  Offshoreonly.com > General Discussion > Insurance and Finance
Does Boat insurance cover props? >

Does Boat insurance cover props?


Does Boat insurance cover props?

Old 05-10-2022, 06:37 PM
Thread Starter
Join Date: Sep 2011
Posts: 147
Received 24 Likes on 2 Posts
Default Does Boat insurance cover props?

When a boat is kept in a driveway or the street in front of home, and someone steals the prop will your insurance cover the replacement?

I am always unbolting the prop whenever I come home with the boat. Is it necessary. To be honest, would any crook even think about the value of a prop or even know how to remove it?
Mariah212Z is online now  
Old 05-10-2022, 06:40 PM
iTrader: (3)
Join Date: Apr 2006
Location: Toledo Oh
Posts: 10,091
Received 597 Likes on 236 Posts

for the cost of a prop, is it worth the hassle of filing a claim, the rate increase for filing a claim etc etc ...????
phragle is offline  
Old 05-10-2022, 06:52 PM
Offshoreonly Advertiser
Offshoreonly Advertiser
Join Date: Jan 2001
Location: spring valley,ny usa
Posts: 2,056
Likes: 0
Received 21 Likes on 11 Posts
Default prop theft

Many policies exclude any theft including the entire boat unless the boat is in a secured area . Read your policy !
sy goldberg is offline  
The following users liked this post:
Padraig (05-10-2022)
Old 05-10-2022, 07:11 PM
VIP Member
VIP Member
Join Date: Nov 2005
Location: Wichita, Kansas
Posts: 536
Received 274 Likes on 128 Posts

You are far more likely to have the entire outdrive stolen than just the prop, and is in fact a much more common theft. Takes an experienced thief just a few minutes to get one, about as long as it would take to steal the prop.
Interestingly, I just got back from a trip to Buffalo, NY and was sitting on the beach at Lake Erie, looking at a boat storage facility across the highway...many of the boats there had the outdrives removed for storage, many had just the props removed. Most were completely covered in shrink-wrap.
Baja 252 Islander
bajaman is offline  
Old 05-10-2022, 07:38 PM
Join Date: Jul 2009
Location: USA, PA
Posts: 587
Received 203 Likes on 119 Posts

Yeah, stealing a prop, never seen it myself. But I wouldn't mind grabbing your out drives if you have twin bravo ones or better. 6 nuts with a cordless impact, 2 guys and GONE.

my deductible is close to the price of a prop, so you might as well just tell them someone stole the drive anyway.

**please note this is for comical reference only. I am not personally going to risk going to jail for a few grand. a few million we can talk.
SabrToothSqrl is offline  
Old 05-10-2022, 07:40 PM
Charter Member # 55
Charter Member
Griff's Avatar
Join Date: Oct 2000
Location: Omaha/LOTO
Posts: 18,747
Received 1,099 Likes on 535 Posts

Technically, probably yes, but most deductibles are about the same $$ or higher than a new/used prop.
Griff is offline  
Old 05-10-2022, 08:45 PM
Forum Regulator
VIP Member
iTrader: (1)
Sydwayz's Avatar
Join Date: May 2001
Location: Worldwide
Posts: 23,452
Received 700 Likes on 307 Posts

1) prop lock
2) store with the drive down
3) back the boat up to a solid wall (not a fence that can be cut apart)
Sydwayz is offline  
The following 2 users liked this post by Sydwayz:
Helmwurst (05-11-2022), IGetWet (05-11-2022)
Old 05-11-2022, 06:37 AM
Join Date: Oct 2000
Location: Lake Ozark, MO USA
Posts: 670
Received 206 Likes on 115 Posts

Thieves will steal anything they can. Prop locks are a deterrent for sure. On my very 1st boat that I use to tow, I stopped at a truck stop for fuel, pulled over to the side, went inside to get some snack and use the bathroom. Came out and my convertible top and prop were gone. Was inside maybe 10 mins tops. Bastards
Helmwurst is offline  
Old 05-11-2022, 10:09 AM
Join Date: Jul 2009
Location: USA, PA
Posts: 587
Received 203 Likes on 119 Posts

I have 13 Wyze cameras around the house. love them, love them, love them.

UPS paid me $475 for damaging my yard. Amazon a bunch as well. Without the camera's I'd have no clue and no chance of recovery.

I can't say enough good about these little things. Real time notifications, cloud (and local) recording. Night vision.


SabrToothSqrl is offline  
The following users liked this post:
Helmwurst (05-12-2022)
Old 05-11-2022, 11:45 AM
iTrader: (1)
Join Date: Nov 2004
Location: On A Dirt Floor
Posts: 12,177
Received 1,932 Likes on 810 Posts

Where the heck do you guys live ?
SB is online now  
The following 2 users liked this post by SB:
Padraig (05-12-2022), sonicss42 (05-12-2022)

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.