Watercraft insurance operates very much like an automobile policy, it covers your boat and bodily injury to another person and property damage that you would be legally obligated to pay in the event of an at fault accident.
It also covers uninsured boaters like the car policy and offers combinations of boat related coverages like on water towing, wreckage removal, fuel spill liability and onboard fishing equipment. Trailers are also typically covered.
There are often coastal navigation limits and the JWA will negotiate the most advantageous navigation area at the best rates. Note that your umbrella coverage will also cover any incidents with the boat.