There are several different types of coverages that you can purchase with a boat insurance policy:

Liability coverage, also called Bodily Injury and Property Damage (BI/PD), helps cover injuries to others and damage to their property if you're found responsible for an accident. It also covers the substantial costs of salvage recovery if your boat sinks.
On-Water Towing is available if your vessel becomes disabled and requires assistance returning to shore. In many cases, this service is provided at no cost to the boat owner.
Comprehensive coverage covers damage to your vessel from wind, hail, hurricanes, theft, vandalism, and other non-collision incidents, ensuring protection against a wide range of risks.
Personal Effects coverage can be added to protect the belongings you bring aboard your boat, such as fishing gear, navigational equipment, portable speakers, cellphones, SCUBA gear, and more.

BOAT INSURANCE