Some water policies are package policies providing all the coverages
you need while others build your coverages on the policy. Be sure
your policy includes:
Watercraft Physical Damage, also known as hull coverage for any
damage incurred through a collision or comprehensive loss. Your
trailer should be included where applicable. The most complete
coverage is "all risk" coverage for your boat while it is afloat,
stored ashore or in transit by trailer or truck.
Watercraft Liability for bodily injury property damage, fuel
spill, wreck removal, and claim or lawsuit defense expenses, including
Watercraft Medical Payments for medical expenses regardless of
who is at fault for anyone injured while in, boarding or alighting
from insured watercraft.
Uninsured Boaters Coverage to protect you and your passengers
for bodily injury only as a result of an accident with a legally
libel uninsured owner or operator of a watercraft.
Personal Effects Coverage for apparel sports equipment, and other
personal property of yours, your family and your guests.
Towing and Assistance Coverage when trailer or boat is disabled
in or out of the water.