Which coverage is provided by a yacht policy that a boatowner policy does not include?

A yacht policy typically provides hull coverage, which is specifically designed to cover the physical damage to the yacht itself. This type of coverage is more comprehensive compared to that found in a standard boatowner policy. Hull coverage protects against risks such as theft, collision, and other types of damage, which are often addressed in greater detail in yacht policies due to the higher value and more complex nature of yachts.

In contrast, a boatowner policy may offer more limited coverage or may not provide hull coverage to the same extent. Medical payments and workers' compensation are types of coverage that could exist in both policies but are not unique to yacht coverage, while the option of "None of these" does not apply since hull coverage is distinctly available under yacht policies. Understanding these differences helps consumers make informed choices based on the specific coverage needs for their vessels.