Optional Coverage Endorsements

Subject	Endorsement Name and Form Number	Description or Use
Additional Interest	Watercraft Joint Ownership Coverage WT 03 01	Provides coverage for additional owner of the watercraft.
Additional Interest	Watercraft Additional Insured- Lessor WT 03 02	Names Lessor as an additional Insured
Agreed Value	Watercraft Agreed Value Coverage WT 05 02	Predetermined value of watercraft
Boat Lift	Boat Lift Coverage WT CW 0016	Direct or accidental loss to a boat lift that is mobile and not premanently attached to any surrounding structure. ACV coverage applies.
Jet Ski / Personal Watercraft	Personal Watercraft Coverage WT 05 01	Powered by an inboard motor with its primary source of propulsion being a waterjet pump.
Operator Exclusion	Named Operator Exclusion Endorsement- South Dakota WT SD 0017	Payment will not be provided for damages, expenses, or loss arising out of the maintenance or use of any watercraft by the named excluded operator.
Replacement Cost -Personal Property	Replacement Cost -Personal Property WT CW 0007	Personal property will be replaced without adjustment for depreciation and physical condition; Personal property does not include animals, boating equipment, fuel, jewelry, money, watches or permanently attached equipment.
Replacement Cost - Watercraft	Replacement Cost Coverage WT CW 0015	In the event of a covered total loss, cost to repair or replace the watercraft, outboard motor, or trailer to its pre-loss condition plus salvage value, equals or exceeds the actual cash value without adjustment for depreciation and physical condition.
Replacement Cost - Watercraft	Replacement Cost Coverage WT CW 0015	Watercraft must be two years or less; insured must be first owner Endorsement applies until model year is five years old
Trip Interruption	Trip Interruption Coverage WT CW 0008	Lodging and food expenses when insured watercraft becomes inoperable for more than 24 hours due to mechanical or electrical breakdown and over 100 miles from home; Maximum limit $600.
Towing and Disablement	Watercraft Increased Limits Towing and Assistance Expense Coverage WT 03 03	Pays for the following services if the watercraft or trailer becomes disabled: towing; delivery of gas, oil, or repair parts; labor for emergency repair; roadside repair of the watercraft trailer.
Uninsured Watercraft	Uninsured Watercraft Coverage WT 04 01 (MN & WI) WT 04 40 (SD) WT 04 14 (IA)	Payment of bodily injury damages due to an uninsured watercraft.