Farmers' boat program offers coverage for boats 40 feet and less in length. Here is a listing and brief description of the crafts covered:
Designed to get to the fish as quickly as possible, these boats are usually outfitted with larger outboard motors. There are storage areas on board to store fishing poles, tackle and other gear. There is often a raised-deck casting platform, swivel seating, electronics and livewells, along with a designated area for a trolling motor.
Named after the open seating area in the bow, these boats are suited for waterskiing and short-distance cruising. They are usually powered via outboard motor or stern-drive.
These small cruisers generally use outboard or stern-drive power and are great for day cruising. They have a compact cabin area to allow for overnight stays and often have simple cooking capabilities.
Small sailboats that are used for small-lake sailing or short outings on calm waters. They may have a centerboard or a fixed keel, and might include a small cabin.
Named for the one-level deck throughout, this multi-purpose craft can be used for anything from fishing, swimming, sunbathing or short cruises. They usually accommodate a number of people. Most are outboard powered but they may use stern-drives as well.
These boats are designed specifically to allow for fishing from anywhere on the deck. They are often equipped with space for the storage of poles and gear. Most are outboard powered and they may have a small cabin.
Sailboats come in a variety of sizes, some with cabin features. They can have single or multiple sails, and often have motors for backup power.
Built for speed, these boats are usually equipped with multiple, sophisticated outboard and stern drive engines. They often have comfortable cabins. High-performance craft will be subject to underwriting review.
Powered by jet pumps that are linked to engines, jet boats can be small craft that accommodate only a few people or larger varieties that can pull waterskiiers.
Pontoon boats usually have two aluminum barrel-like hulls under a stable deck with railings all the way around. They are very versatile and can be used for fishing, sunbathing and cruising around inland lakes. Often they have a sun canopy to provide a shaded area and ample seating. Pontoon boats are most often powered by outboards.
The multi-purpose runabout is a great boat for a variety of activities: waterskiing, fishing, swimming, tubing, wakeboarding or sunbathing. They can have an open or closed bow and can be powered by outboard or stern-drive engines.
A unique craft for getting in shallow waters for fishing, flats boats often have tilting outboard motors. They are equipped with a platform that allows the captain to use a long pole to push the craft along, as well as offer a better viewpoint from which to spot fish.
Craft for one, two, three or more people that can be stood on or straddled. Personal Watercraft are often referred to by their brand names such as Jet Ski®, Wave Runner® or Sea Doo®.