Most water heaters availalble with heat exchanger
option. There's also a range of price/quality in water heaters. My choice would be a Raritan--for two reasons...I've had Raritans on two boats that were still in fine shape when I sold the boat...one was 11 years old, the last one was 20 years old. They have insulated glass inner tanks, which holds heat better than metal (which is a heat conductor)...they're exceptionally well insulated too, so if you're rarely away from the dock longer than overnight you may not need a heat exchanger...mine stayed hot for at least 24 hours. And unlike most water heaters, the newer Raritan water heaters have corrosion-proof polymer outer "shells." So while Raritan water heaters are a bit more expensive than some, they outlast anything else by decades. Available in 6, 12, and 20 gallon sizes...all with heat exchanger option.