Usually includes physical damage to the boat and its equipment, including a dinghy, if applicable, loss of personal property, theft of equipment, commercial towing and assistance, protection and indemnity (liability), to include pollution liability, medical payments, uninsured boater loss. Especially because watercraft insurance is specialized, with lingo different from other insurance, expert advice is needed, particularly with regard to agreed value versus actual cash value policies, limits, deductibles, navigational territory and lay up period warranties.
