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Most companies provide coverage for property damage for small boats such as canoes, small sail boats or small power boats. Larger and faster boats such as yachts, jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage. Boat owners should be aware about discounts for the following:

- Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode;
- Coast Guard approved fire extinguishers;
- Ship-to-shore radios;
- Two years of claims-free experience;
- Multi-policies with the same insurer, such as a car, home or umbrella policy;
- Safety education courses, such as those offered by the Coast Guard Auxiliary;

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