- Physical Damage: Boat insurance covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail or collision.
- Medical Payments: Medical payments coverage covers medical expenses for the policyholder and their passengers after an accident.
- Liability Insurance: Liability covers bodily injury and property damage the boater may cause to someone else in an accident.
- Guest Passenger Liability Insurance: Guest passenger liability covers expenses if a permissible passenger causes an accident while operating the boat.