Answer:
There is a woman in a boat, on a lake, wearing a coat. If you want to know her name, it’s in the riddle I just wrote. What’s the woman’s name?
Defends your noggin from the hard pavement
With sharp edged wit and pointed poise. It can settle disputes without making a noise.
Mostly worn by women or girls, this is sometimes shiny like silver or gold, and sometimes it is made of pearls.
It belongs to you, but other people use it more than you do. What is it?
As round as an apple. As deep as a cup. All the king's horses can't pull it up.