Most companies offer liability limits starting at $15,000 and which can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft, and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home, and car.
Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.