Physical Damage Protection
Collision and Comprehensive coverages protect your watercraft against a wide range of damage. Comprehensive covers events outside your control like fire, theft, vandalism, and weather. Collision covers damage from hitting another boat or object, or from capsizing. If these coverages are on your policy, your boat’s equipment, including furnishings, motors, and safety gear, is also protected.

Liability Coverage
Liability coverage on your boat insurance policy pays for damages and injuries you are responsible for while on the water, up to your policy limits. This includes damage to other boats, docks, and pilings, as well as injuries to your passengers and other boaters. In many cases, it also covers watersports, fuel spill cleanup, and wreckage removal.

Medical Payments
You can pick a range of coverage limits to pay for you and your passengers’ medical bills if you're in an accident or someone is hurt on your boat. Medical payments coverage has no deductible.

On Water Towing
If your boat is disabled or breaks down on the water, this coverage pays for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat is disabled on the water.

Personal Property & Fishing Equipment Coverage
Protection for the clothing, personal effects and fishing gear of the boat owner and their guests.

Uninsured/Underinsured Boater Coverage
Pays for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.