Not all boat insurance policies are alike, and different types of policies are required for different types of boats. One of the most important facets of selecting the correct policy for a particular boat, therefore, is knowing exactly what type of boat the policy will have to cover.Most insurers offer nine different types of boat insurance policies, and these policies have been specifically tailored to cover eight different models of boat as well as the style of craft known as personal watercraft, which includes waverunners and jetskis. The policy that will, for instance, cover a house boat is very different from that that will cover a bass boat, which will, again, be different from that suited for a runabout.Two of the eight boat categories comprise those boats that have been specificall