Physical damage to your boat
Often called hull coverage, this addresses damage to the boat itself, subject to the policy's terms, exclusions and deductible. How the boat is valued in a total loss — agreed value or actual cash value — is a key detail.
Liability
Liability coverage generally addresses injuries to other people or damage to their property that you are legally responsible for while operating your boat.
Medical payments
Some policies include medical payments coverage for people injured on your boat, regardless of fault, up to a limit.
Uninsured boaters
Some policies offer coverage when you are injured by a boater who does not carry enough insurance.
Optional coverages
Depending on the insurer, options may include on-water towing and assistance, trailer coverage, personal effects, fishing equipment and fuel spill liability. Availability varies — ask what is included versus optional.
Frequently asked questions
General information only, not legal or insurance advice. Coverage availability and terms vary by insurer and policy.