I read threads on here from time to time where a poster will claim that if you do (or do not) certain things on your boat your insurance
will not pay out in a claim. Some of these off the top of my head
Not using an anchor
Not using a USCG approved anchor
Not taking keys out of engine
when not on boat
Not properly winterizing your boat
Drinking while at anchor (under legal
limit) and something happens
Running aground with minor at the helm
Clogged scuppers resulting in sinking
Not shutting seacocks when not on boat
Not using "proper"/adequate ground tackle - dragging anchor
Damage caused by owner such as running into a dock
or another boat when going to fast, etc.
Any damage or injury as a result of poor seamanship
Of course it depends whether one has a comprehensive insurance
policy or one for liability only and the specific terms of your policy.
I think it would be interesting to hear what everyone's experiences are with their own boat insurance and how they feel they are covered.