Built-in electronics are typically covered. Portables and mysterious disappearance are typically not covered unless specified and/or unless there are visible signs of forced entry or removal.
If I lend my boat to a friend, will they be covered under marine insurance policy?
Marine insurance policies typically cover your vessel while it is being used by someone with your permission. The operator of the boat is typically not covered for injury to himself, but liability toward others is typically covered, as is the risk of damage to the boat.
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