Boat insurance combines aspects of both home and auto insurance.
Like home insurance, a boat policy covers you for liability if someone is injured on your craft. Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground.
Comprehensive coverage covers theft, vandalism, flood, fire, and can even include personal property coverage for items such as life vests, fishing gear, and water skis. Roadside assistance in the event you need a tow and even uninsured boater coverage may be added as well.