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Would it be covered?

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Question just for my own satisfaction, for a just in case scenario. My boat is rated for a 150. I currently have a Merc. 115 on it, but plan on upgrading to a 150 soon.  I purchased this boat used from the original owner, who used it less than 10 hours a year, and it never spent a day outside, and condition shows it.  He had a dealer service it every year for which I have every receipt that was ever spent. 


Doing my research on this boat, there have been 2 reports I've found out of the thousands that have a 150 mounted, where their transom cracked due to the heavier weight, they stated.  Both boat were using a 6" jack plate also.  


My my question is, the warranty is out on this boat. With it being rated for a 150, if the transom were to have issues, would my boat insurance cover this?  

TinBoats BassClub.  An aluminum only bass club. If interested in info send me a PM. 

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