Marine Service Contracts
Coverage built for boat owners
Three coverage tiers — including Eagle Guardian, an exclusionary-style marine service contract designed for late-model boats. Every plan protects factory-approved systems against unexpected mechanical and electrical failures, subject to the terms of your contract.
Eagle
Basic component coverage for essential mechanical and electrical systems.
- Engine
- Drive systems
- Electrical basics
Eagle Plus
Expanded mechanical coverage including generators and electronics.
- Everything in Eagle
- Generators
- Marine electronics
- HVAC
Eagle Guardian
Exclusionary-style protection for late-model boats — covers factory-approved systems except items specifically listed as excluded.
- Broadest available structure
- Hydraulics & steering
- Stabilizers
- Defined exclusions only
Stated Component vs. Exclusionary
How Eagle Guardian compares to stated-component plans
A stated-component plan covers only the parts listed in the contract. An exclusionary plan flips that model — everything qualifying is covered except items the contract specifically excludes. For late-model boats, exclusionary structures generally provide broader and clearer protection.
| Area | Stated Component Plan | Eagle Guardian (Exclusionary) |
|---|---|---|
| Coverage structure | Only the components listed are covered. | Coverage is exclusionary — only items specifically listed in the contract are excluded. |
| Newer-boat fit | Workable, but may leave gaps. | Designed for late-model boats with factory-approved systems. |
| Hidden gaps | Higher risk — unlisted parts default to no coverage. | Lower risk — exclusions are spelled out in plain language. |
| Repair authorization | Required before work begins. | Required before work begins. |
| Wear, neglect, pre-existing | Not covered. | Not covered. |
Systems Covered
Eagle Guardian protects factory-installed, factory-approved systems. Aftermarket modifications and components that fall outside manufacturer specifications are not covered.
Outboards, sterndrives, inboards, and pod drives — factory-installed and properly maintained.
Wiring, batteries, chargers, inverters integrated at the factory.
Chartplotters, radar, autopilot, VHF as originally equipped.
Marine gensets and cooling systems.
Hydraulic and electronic steering systems.
Trim tabs, lifts, and hydraulic actuators.
Important to Understand
Common Items That May Not Be Covered
Understanding exclusions is important because marine service contracts are designed to protect against certain mechanical and operational failures, not every condition or maintenance-related issue. Knowing what falls outside coverage helps set realistic expectations and supports a smoother claims experience.
- Routine maintenance items (oil, filters, impellers, anodes, plugs)
- Wear-and-tear failures from normal use over time
- Pre-existing conditions present before coverage started
- Damage from missed or undocumented maintenance
- Cosmetic items — gelcoat, upholstery, canvas, paint
- Corrosion not caused by a covered mechanical failure
- Aftermarket parts not approved by the boat or engine manufacturer
- Damage from accidents, weather, grounding, or submersion (these fall under marine insurance)
- Consequential damage caused by a non-covered failure
- Repairs performed without prior authorization from the administrator
- Use outside the contract — commercial, charter, or racing unless specifically endorsed
This list is illustrative. Specific exclusions, limits, deductibles, and definitions are determined by the terms of your individual marine service contract.
Owner Responsibilities
Your responsibilities as a contract holder
Marine service contracts work best when owners follow a few standard practices. These protect both your coverage and your boat.
- Keep documented service and maintenance records for the life of the contract
- Follow the manufacturer's recommended service intervals
- Stop using the boat once a failure is suspected to prevent consequential damage
- Contact the administrator and receive authorization before repairs begin
- Use a licensed marine repair facility for diagnosis and repair
- Pay your per-visit deductible at the time of repair
Keep Reading
Related Boat Warranty Guides
Deepen your research on boat warranty coverage, costs, and claims with these related guides.
Boat Warranty Cost Guide
Typical price ranges and the factors that move boat extended warranty pricing up or down.
Read guideHow a Claim Works
Step-by-step claims process from technician diagnosis to direct-pay repair authorization.
Read guideUsed Boat Warranty Guide
Why pre-owned boats benefit most from extended marine protection and how to qualify.
Read guideMarine Repair Statistics
Failure rates, average repair costs, and lifespan data for engines and core boat systems.
Read guideFAQ
Frequently Asked Questions
Direct answers to the questions boat owners ask most about marine warranties and repair protection.