Our boat insurance policies include a few different kinds of risk factors, including:

• Bodily injury: Injuries caused to another person.
• Property damage: Damage caused to someone else’s property.
• Other driver liability: Any legal expenses incurred by someone using the boat with the owner’s permission.
• Medical Payments: Injuries to the boat owner and other passengers.
• Theft

Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available.

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.