Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?
Progressive has gotten (and earned) mixed reviews. Something they share with most of the home/auto insurers is a lack of experienced marine damage adjusters. A friend of mine had his boat covered by his home and auto policy, and the adjuster was green around the gills (rough water after a storm) and rapidly finished his work, very generously. Except, the boat wasn't hauled to check the underbody and subsequently they missed a damaged rudder and expensive replacement of that.
These are the kind of things that an inexperienced owner might not think to ask about, and a "sure, we do boats too" insurer might not think to deal with. Intentionally or accidentally.
Killing the Bhuda is a bit hard to explain. I suppose the short version of it, is that things are not always what they seem, or what we would have them be. You'll find plenty of references to the phrase online that go deeper. And that even for peaceful people, sometimes violence is the correct action. If the answer was simple, it wouldn't come from philosophy, would it?