Just as importantly, it can protect you against liability lawsuits, should you injure someone with your boat or damage their property. 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. 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.
Reasonable repairs covers repairs incurred to protect covered property from further damage.
Wreck removal pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.