This type of coverage can insure against both physical damage and liability. Liability includes:

Bodily injury - for injuries caused to another person

Property damage - for damage caused to someone else's property

Guest passenger liability - for any legal expenses incurred by someone using the boat with the owner's permission

Medical payments - for injuries to the boat owner and other passengers

Theft

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Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home, and car.

Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.

Boat owners should also inquire about discounts including:

Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode

Coast Guard-approved fire extinguishers

Ship-to-shore radios

Two years of claims-free experience

Multi-policies with the same insurer, such as a car, home, or umbrella policy

Safety education courses, such as those offered by the Coast Guard Auxiliary, U.S. Power Squadrons, or the American Red Cross

Boating Safety Course requirements vary from state to state.

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