If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.

When you're in the boat, you're covered-and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.

This optional coverage typically takes care of your boat, motor, and trailer all the time-when you're storing it, hauling it, launching it, or out on the water. If it's stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.

You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You'll also need to choose a deductible. (If you have to file a claim, that's the amount of money you'll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.