{"id":227,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.risingstarbrokers.com\/blog\/?p=227"},"modified":"2026-07-22T17:56:53","modified_gmt":"2026-07-22T23:56:53","slug":"why-doesn-t-boat-insurance-cover-piracy","status":"publish","type":"post","link":"https:\/\/www.risingstarbrokers.com\/blog\/why-doesn-t-boat-insurance-cover-piracy\/","title":{"rendered":"Why Doesn’t Boat Insurance Cover Piracy?"},"content":{"rendered":"

Boat insurance can help owners in Saint Paul, MN cover the costs of various things, including bodily injury, theft, damage, and liability lawsuits. Most policies explicitly exclude piracy, and there are a few reasons why. <\/span><\/span><\/span><\/p>\n

International Waters<\/span><\/span><\/span><\/h3>\n

Many policies cover local waters. They often provide coverage just off the coast of the continental United States. Piracy tends to happen more along the coasts of other continents or in international waters, so your policy likely won’t apply. You’ll need a maritime policy that includes coverage for piracy. Sometimes, piracy is referred to as a maritime war crime instead of piracy. <\/span><\/span><\/span><\/p>\n

Additional Costs and Benefits<\/span><\/span><\/span><\/h3>\n

Piracy claims are expensive because they entail many additional costs and benefits. These policies typically provide legal assistance, help negotiate a ransom, and will pay the ransom to ensure your safety. <\/span><\/span><\/span><\/p>\n

Local companies like Rising Star Insurance would have to drastically increase prices for everyone to provide this level of international coverage on every policy, and you may not even need the coverage. Opting for separate coverage when you’re at risk ensures you only pay for this costly coverage when you may need it. <\/span><\/span><\/span><\/p>\n

Increased Personal Belonging Coverage<\/span><\/span><\/span><\/h3>\n

Most piracy policies include higher coverage limits for cargo or personal belongings. This is because pirates are known for looting ships, and it’s important to ensure your valuables are either recovered or replaced. <\/span><\/span><\/span><\/p>\n

It’s always a good idea to speak with an agent at Rising Star Insurance before you head into open water. We can help make sure you have the necessary coverage and refer you to another agency if we don’t offer what you need. Our goal is always to make sure you’re protected. Contact us today. We’re currently serving the Saint Paul, MN area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Boat insurance can help owners in Saint Paul, MN cover the costs of various things, including bodily injury, theft, damage, and liability lawsuits. Most policies explicitly exclude piracy, and there are a few reasons why.  International Waters Many policies cover local waters. They often provide coverage just off the coast of the continental United States. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[22,21,9,7,8],"class_list":["post-227","post","type-post","status-publish","format-standard","hentry","category-quote-and-compare","tag-boat","tag-insurance","tag-mn","tag-rising-star-insurance","tag-saint-paul"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t