I was out on Chatfield reservoir today borrowing a friends boat. I asked if they had boat insurance and they said yes. Being an insurance agent, I asked what kind! Do you have any of the following?Actual cash value or stated value? Does your insurance policy cover you for the full amount of your boat, motor, and trailer? Most policies are acv. How about liability coverage? Boat insurance should contain liability coverage but is there enough? 500k would be the lowest I recommend. Are the items in the boat insured? Your boat policy should include personal property coverage so you do not need to file a claim on your home insurance. A must coverage would be towing and trip coverage. What if you are stranded? Can you get your boat home!What if the boat is not connected to your vehicle but not in the water? It comes lose and rolls into another auto, is it covered? It should beAfter this Q & A, they still let me borrow it but may have received a new client as they were certain some of these coverages were not on their policy!Call me for more information on boat insurance!Rick clineWww.rickclineagency.com