You always want to make sure that you at least have liability coverage on your boat. What if while beaching some snorkeler pops up and you hit him and cause permanent brain damage. You would be sued for all you are worth and all you would ever be worth. Admittedly that seems unlikely but it almost happened to me one day. There are 1000's of other not so likely senarios that make liability insurance worth it's weight in gold.

I also cover my boats with full coverage and have got my money worth out of that over the years due to my avid racing habit.

I know a freind who pulled off the highway and was eating at a Hardee's when a storm rolled through and flipped his Hobie 20 while it was on the trailer outside the Hardees. That full coverage certainly paid off for him and he wasn't even near the water.

Mike Hill
Tiger #1520