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The boat owner’s policy provides a combination of coverages. Most policies will provide coverage for:

  • liability
  • physical damage
  • medical payments.

Some policies offer additional coverages such as:

  • emergency service
  • life salvage coverage
  • coverage for repairs after a loss
  • coverage for emergency first aid
  • uninsured boaters coverage

Emergency service might cover such items as towing, delivery of fuel, and mechanical labor in case of breakdown. Life salvage would give compensation to other people who act to save human life if a boating accident occurs. Coverage for repairs after a loss would pay any reasonable expenses for repairs to protect covered property from further loss. Emergency first aid pays reasonable expenses incurred by an insured giving first aid to others at the time of an accident. Uninsured boaters coverage allows the insured to be compensated for any bodily injury damages for which they are legally entitled to, because of an accident with an uninsured boater. Some additional coverages are offered as part of the policy and others are offered for an additional premium. Most boat owners policies are written on an all risk basis. Under all risk, the insurer agrees to pay for any direct physical loss or damage to the covered property. All losses would be covered except those specifically excluded.

This limit provides physical damage insurance for the boat, and any permanently attached equipment, such as the inboard motor.

Outboard Motor
This would apply if an outboard motor is attached to the boat.
An inboard/outboard motor would be covered under coverage A since it is a permanent attachment.

Boat Equipment
This applies to any portable boat equipment or accessories, such as:
• dinghies or tenders • life preservers • cushions • fire extinguishers
• anchors • oars • ship to shore radios • and other transmitting and receiving equipment used in or on the boat.

This limit applies to the trailer. Very few policies include this coverage under boat equipment.

This provides liability insurance for the insured or any other person using the boat with the insured's permission. Coverage is provided for bodily injury and property damage arising from the ownership or operation of the boat.

Medical Payments
This coverage pays the necessary medical expenses incurred by a covered person within one to three years from the date of a boat accident. A covered person is the insured, a family member, or any person occupying the boat at the time of an accident. Payment could be made for such expenses as:
• medical and dental x-ray's and services • nursing fees • ambulance charges • funeral expenses.

This amount applies to each occurrence and each boat or trailer listed in the policy. The insurer pays only when a covered loss exceeds the deductible shown in the policy.


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