You’ve got more than just your boat to worry about. What about the anchor, life jackets, navigation aids, and everything else that helps you operate the boat?

Well, that’s what this coverage is for. When you get Physical Damage coverage, your equipment and accessories are automatically covered for up to 10 percent of your personal watercraft’s value. If you want more coverage than that, you can tack extra onto your policy.

Need a tow? $100 of Emergency Service coverage is automatically included with any boat insurance policy that has Physical Damage coverage.

It can also cover labor costs at the place you break down—for a mechanic, or to have fuel, oil, or a battery delivered. If you want to raise the limit to $500 or $1,000, you can add that extra coverage to your policy.

Allstate boat insurance has you covered up to 100 nautical miles off the coast of the U.S. and Canada.

If your personal watercraft is destroyed, raising, removing, or destruction of the boat will typically be covered—up to an additional 5 percent of your Physical Damage coverage limit.

They aren’t technically considered boating equipment, but don’t your water skis, fishing gear, and other things like that deserve to be covered? We think so.

Keep in mind that Personal Effects coverage doesn't cover money and valuables, animals, boats or other boat equipment, contact lenses, or prosthetics. It also excludes things that are covered by insurance in some other way (as part of this policy or a different one). Talk to your agent to find out what this coverage takes care of.

If you want to go the extra mile to make sure your boat or jet ski is covered, the Premier option might be for you. This package includes Uninsured Watercraft coverage, $1,000 of Emergency Service coverage, and can help pay for damages to your boat.

If your boat is damaged, but not totaled, the Repair Cost Option typically covers the boat, motor, boat equipment, and trailer with no deduction for depreciation.

Uninsured Watercraft coverage isn't offered on its own; the Premier Option and Premier Plus Option are the only way to get it. Also, to get these options, your policy needs to include Physical Damage coverage.

The Premier Plus Option has all the benefits of the Premier Option. What’s the difference? Premier Plus is the only way to get the Agreed Value Option for your Physical Damage coverage.

Say your boat or jet ski gets totaled. If it's worth a lot less when it goes down than what you paid for it, you’re out a big chunk of change. Ouch. But with Agreed Value, your coverage will typically pay up to the value you originally listed on your policy. It’s a way of protecting your investment no matter what the market value of your boat is.