1.

What property is covered?

Described boat

Described trailer

Described motor

Detachable equipment

Sporting equipment

Photo or electronic equipment

Safety equipment

Navigation equipment

Personal effects

Trolling motors

Other

2.

Are nonowned boats covered?

3.

Are substitute boats covered? Are there any limitations?

4.

What perils are covered? Special causes of loss? Named perils?

5.

What are the physical damage exclusions?

Wear and tear

Mechanical breakdown

Marring, denting, freezing, thawing, changes in temperature

Rust, corrosion, inherent vice, latent defect, contamination

Moths, vermin, rodents, worms,  domestic animals, or marine life

Intentional acts

Criminal acts or omissions

Governmental action

While being repaired

Dishonesty

War and nuclear

Illegal transportation of property

While racing or practicing for races

Commercial use

Due to “unseaworthiness” of boat

Kite skiing or para-sailing

Faulty materials, workmanship, etc.

Neglect to protect property from further loss

Smog/smoke

Seizure by the lienholder

While carrying persons or property for a fee

While rented to others

Theft if boat is not locked

Other

6.

On what basis are losses adjusted?

7.

How are newly acquired watercraft covered?

8.

Does the policy contain a trailering limitation?

9.

Is compulsory wreckage removal or destruction covered?

Intentional damage

Criminal acts

Workers compensation  (including Federal Longshore)

Governmental fines

Contractual liability (any exceptions?)

Transportation of insured property

Commercial use

While engaged in the boat business

War and Nuclear

Pollution

Care, custody, or control

Illegal transportation

Racing (any exceptions?)

Para- or kite-sailing

Public or livery conveyance

Professional services

While being towed

While being used as a residence

Use without permission

Corporal punishment and abuse

Damage to owned or transported property

Owned, furnished, or available boats

Boats not listed

Intrafamily

While rented to others

Other

10.

Are defense costs covered? If so, are defense expenses included in, or outside of, the limit of liability?

11.

Is permissive use by others covered? Is this coverage inclusive of paid crew? Marina or service employees?

12.

Does the policy cover punitive damages?

13.

Is the insured's use of nonowned watercraft covered? Borrowed? Rented? Any limitations?

14.

Does the policy provide life salvage coverage?

15.

Does the policy provide Jones Act coverage?

16.

Does the policy provide Longshore and Harbor Workers Compensation coverage?

17.

Are the named insured and family covered?

18.

What is the time limitation on incurring medical costs?

19.

Are water skiers insured for medical payments?

20.

What is the policy territory?

21.

May an expanded territory be purchased?

22.

What, if any, are the exceptions to the “pleasure use warranty?”

23.

Does the insurer provide or offer uninsured boaters coverage? If so, at what limits and deductible?

24.

Does the insurer offer the option to eliminate—for an additional premium—the business use exclusion?

25.

Does the insurer offer towing and labor coverage?

26.

What operators are ineligible?

27.

What types of watercraft are ineligible?

28.

Is there a maximum value?

29.

Underwriting restrictions?

30.

Can coverage be suspended off season?