A typical boat insurance policy will cover property damage and help replace or repair any personal items that may have been lost or damaged. A policy will also cover a large portion of any medical expenses if there is an accident, regardless of whether you or someone else driving your boat is at fault (or whether the accident was caused by someone else). Legal costs may also be covered depending on the situation. It’s important to remember, however, that coverages and requirements can vary by state (and even by marina), so it’s best to ask — and consult with a reputable insurance partner like C&S if you’re in the market for a new policy.