These are the coverages available in most states. Remember, boat insurance doesn’t cover maintenance or general wear and tear.
Damages/injuries you cause
Liability: Pays for any damages or injuries you cause while boating, including:
- Damage to other watercraft
- Damage to objects (docks, pilings, other boats, etc.)
- Other boaters’ and their passengers’ injuries
- Injuries to your passengers, including those skiing, boarding, or tubing
Damages to your boat from events beyond your control
Comprehensive: Covers events out of your control, such as:
- Theft and vandalism
- Explosions and fire
- Hurricanes, lightning, and other weather-related damage
- Falling trees or other objects
Damages to your boat from accidents
Collision: Covers any damage to your boat if you collide with another watercraft or object (even if it’s submerged), regardless of fault. You’re also covered if your boat capsizes.
Damages or injuries from uninsured boaters
Uninsured/underinsured boater bodily injury: Covers injuries you suffer at the hands of an uninsured or underinsured boater, up to the limits of your policy.
Medical payments: Pays for the medical bills for you and your passengers if you’re in a covered accident, regardless of fault. In some states, this coverage will begin once you’ve exhausted your health insurance coverage limits.