Watercraft insurance can provide coverage for these powered and non-powered boat types:
- Outboard, inboard/outboard or inboard boats
- Sailboats
- Houseboats
- Personal watercraft including jet ski, wave jammer, wave runner, etc.
The coverage consists of personal bodily injury and property damage liability, watercraft repair or replacement and owned and others (non owned) personal property on the watercraft while on the water.
There are some restrictions that usually involve the length of the watercraft, use of the watercraft and the horsepower of the watercraft engine.