There’s no way around it: When you’re out on the water there’s always a chance that something might go wrong. One of the most important things you can do is make sure you’ll have help with medical bills if you should get hurt in an accident.

Medical Payments Coverage
If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.

When you’re in the boat, you’re covered—and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.

When something goes wrong, good boat insurance coverage could mean the difference between sinking and swimming.

Physical Damage Coverage
This optional coverage typically takes care of your boat, motor, and trailer all the time—when you're storing it, hauling it, launching it, or out on the water. If it’s stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.

You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You’ll also need to choose a deductible. (If you have to file a claim, that’s the amount of money you’ll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.

If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong liability coverage.

Watercraft Liability Coverage
Even the safest boat operator can have a bad day. And this coverage typically makes a big difference If you or someone else in your household has a boating or jet ski accident that:

• damages a dock,
• damages another boat, or
• injures someone else (including a swimmer or water skier).

Want a lot of coverage, or just a little? It’s your call.