But, since Lithium Ion has some short comings insures don't want to see those type of batteries on a boat and I can understand that........I also don't want them on my boat.
The problem some people have run into (including us) is that some insurance companies will not insure ANY chemistry of Lithium batteries.
We ran into that, early Feb of this year (2024), when we went to switch to our "Offshore Policy", thru Jack Line, that would taken affect from Acapulco, MX, down through the Panama Canal, and then on to Florida. Everything was set, fair rates, good coverage, then when it got to boat particulars and they asked what type of batteries . . . . I said LiFePO4, and FULL STOP, "Sorry, we don't insure ANY Lithium chemistries!" was the reply . . . .
Not sure if this policy is going to change with their having done away with the Jack Line and rolled it up with Markel . . .
We ended up going with a policy that required an immediate survey, was half again as expensive, for 20% less insured value, deductible went from less than $5k to $24.5k, no coverage for dinghy, very little for personal property, with a company that I have no confidence will pay off in a claim . . . just because we have LiFePO4 installed.
Our installation is NOT "drop-in". We installed 1,200 ah of Dragonfly LiFePO4 batteries with integral BMS, new Victron Inverter Charger set to LiFePO4 batteries, new Balmar 210 amp, high output alternator with external regulator (derated to 60%, or 135 amps) set to LiFePO4, new Victron Battery monitor, and Cerbo GX, ALL new marine 4/0 wiring, proper fusing, containment, meeting or exceeding the latest ABYC recommendations . . . . didn't matter.
Until these insurance companies get their heads out of their . . . . cubicles, and educate themselves on actual risk of different Li chemistries, we're at their mercy . . . .
We've had our LiFePO4 for two years, 8,000 miles, and almost 1,600 engine hours now of full time cruising.
We've had lots of minor problems with the boat, but nary a problem related to the LiFePO4 install. It's been as problem free as anyone could wish for!
Hope your LiFePO4 installation and operational experience mirrors ours, and you are as happy with it as we have been!
Edit: Our main engine start, as well as our auxiliary engine start are totally independent from the LiFePO4 install. The main is 24vdc, (two new sealed 8d FLA batteries) with a engine driven generator and a 24vdc charger driven off of 120vac power. The aux engine start battery is 12vdc (one 12vdc) charged off of the aux engine alternator only.