Escape...I guess we all make our choices and are entitled to do so but as an Ivan victim in Grenada...I can tell you that no one regretted having insurance and those that didn't wished they did. $3k is a small price to pay on a boat as nice as a caliber. It also insures that you don't have to go back to work if something bad happens to the boat...that fo me was the BIG incentive to keep insurance!
Anyway...good luck in PR
again this season.