direct , physical loss or damage to the insured property"

Then in what's NOT covered section, last line; "Loss willfully, intentionally or criminally caused or incurred by the insured person. For this exclusion, "criminally" means acting with criminally culpable mental state regardless of whether the person is convicted of a crime".

That does not directly address the scenario of scuttling your boat. "Sudden AND accidental", plus "Loss WILLFULLY, INTENTIONALLY," those words would make me not scuttle my boat no matter what anyone told me to do.

Yours is a very good question for those faced with this scenario, IF the boat is insured.