The more information the more accurate your quote will be. Unless you are financing the boat all coverage's below are optional. However, some coverage's come as a package. Deductible Higher deductible's offer lower premiums. You may choose more than one deductible to see the difference in cost.
Liability coverage is listed as total coverage for accident.
Some policy's list a per person maximum and a third amount for property damage. If so, it will be demonstrated on your quote. Some lower liability coverage's are not available in some state's or with certain agent's. If a quote comes in with higher limits than requested then those limits are the lowest the agent can provide. Watercraft Coverage Type in the value of your boat, motor included.