The basic coverages on boat insurance are medical payments of others, physical damage to boat, and watercraft liability coverage.

Medical Payment coverage pays for the medical expenses of you or someone in your household if an accident should occur.

Physical Damage Coverage takes care of your boat at all times, hauling it, docking it, storing it, etc.

Watercraft Liability Coverage pays for damages if you or someone in your household damages another boat, damages a dock, or injures another person.