Boat Insurance covers most watercraft with motors, including fishing boats, power boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, and damage to the boat itself, sometimes called hull coverage. Smaller watercraft such as canoes, kayaks can find limited coverage under your homeowners policy. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Personal watercraft PWC which is a small sit-down or stand-up craft. The three name brands you might recognize as PWCs are WaveRunner, Sea-Doo, and Jet Ski. PWC insurance protects your investment in your personal watercraft if it is damaged or destroyed in an accident or theft. It also protects you against liability claims in the event that you cause harm to another person or their property.