Bodily injury liability - pays, up to the limits of the policy, for injuries to other people you cause with your boat

Medical payments - provides coverage for medical and related expenses to each person who incurs an injury while in, on, getting into or out of the boat

Uninsured / underinsured boat bodily injury - allows you to collect damages from your own insurance company if the other party injures you and is uninsured or underinsured

Physical damage - provided on an agreed value basis for total losses of the hull, subject to a deductible

Unattached equipment - coverage for portable boating equipment kept in or on your boat is automatically included with physical damage coverage up to 10% of the hull coverage amount or $100, whichever is greater, subject to a deductible...examples of unattached equipment include: anchors, oars, safety and lifesaving equipment, water skis, wake boards and similar sports equipment

Personal effects - coverage is automatically included with physical damage coverage for an amount up to $750 as a result of upset or collision of the boat with another object, subject to a $250 deductible...personal effects means clothing, scuba / snorkeling equipment, fishing equipment and other personal items