Boats have marine-specific risks like pollution and environmental damage, wreck removal and salvage work.

 Are you using your boat in fresh water, salt water or both? Premiums might be different.

 Did you take the proper boater education classes? You could be eligible for a discount.

 Do you need towing insurance? If you break down in the middle of a narrow river, you might be able to paddle to shore; but not in a big lake.

 Are you leaving the US? You might need additional coverage if you’ll be sailing the island waters.

 Wear and tear isn’t covered by standard policies, but your boat might qualify for consequential damage insurance.

 Ask your agent about the difference between “agreed value” and “actual cash value.”

 Did you know that the higher the deductible, the lower the premium?

 Marine insurance (boat insurance) is available for boats, PWCs (personal watercraft like jet skis), sailboats, yachts and other floating craft. Insurance is also available for professional applications like charter boats, fishing expeditions and more.

 “All risk” policies don’t cover everything! Ask your agent for details.