A Boatowners Insurance policy protects your boat, motor, boat trailer, and boat equipment against loss or damage from sinking, fire, storms, theft, capsizing, stranding, collision, and explosion.

Property covered includes:
Equipment permanently attached to the boat, anchors, oars, electric trolling motors, extra fuel tanks, tools, detachable canopies, seat cushions, life preservers, skis and their tow ropes, and dinghies.

Liability coverage includes:
Watercraft Liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.

Watercraft Medical Payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.