A calm day on the water can turn expensive fast. A loose dock line, a submerged object, a sudden storm, or one moment of poor visibility can lead to repairs, medical bills, cleanup costs, or claims from other boaters. Boat insurance helps protect against those risks. At its simplest, boat insurance is a policy that covers financial losses connected to owning and operating a boat. It can apply to powerboats, sailboats, fishing boats, personal watercraft, pontoons, and larger v