In light of the reporting of dammage at the mid-winters, I was wondering if someone could enlighten me regarding types of insurance. A post a while back mentioned US Sailing insurance for $246. What kinds of insurance cover a beach cat in these 4 scenarios:Parked in my yard(homeowners), trailering to a race(auto ins?), dammaged by vandals on a public beach, dammage in a race. I'd like to be covered in these areas. Thanks, Greg