Boat coverage typically provides two directions of coverage:
Liability—pays for the other party’s bodily injuries and/or physical damages to their property caused by your actions in your boat. Covering the hitting of a swimmer to ramming a boat dock.
Personal Coverage—provides coverage through:
Medical Payments—pays up to a preset amount for the initial ambulance, emergency room, and follow up due to injuries suffered while riding in or operating your boat, (could apply even if injury caused by other boat to you or your passengers).
Comprehensive—coverage for your boat, motor, and trailer including theft, vandalism, storm damage, and fire. There is usually a deductible involved.
Collision—coverage for your boat, motor, and trailer in the event of damage caused by a collision whether with a moving or stationary object. Again typically subject to a deductible.
Emergency Roadside Service—coverage for flat tires and/or trailer problems with your boat trailer where a towing is needed. Also includes a limit for towing expense of the boat itself while on the waterways.