When people think of boat insurance they consider the value of their boat and the cost if it were damaged. Maybe they even consider damage potential to another boat or the dock. They should also take into account how to cover their boating equipment. Safeco automatically includes some coverage for unattached equipment and personal effects. If you are a fisherman you could add on coverage to a Progressive boat policy for your downriggers and poles. Make sure to add insurance coverage for your dingy, and trailer as well.
Some carriers have limited fuel liability coverage for pollution cleanup after a claim. Other carriers allow racing if competing in a sailboat. Each carrier has a different range of navigational limits for the insurance policy. Not all carriers allow you to travel into Canada or far from the coastline. Call your agent to cover your boat coverage needs!