Wow, thanks for the great replies. We were planning on getting liability if it was an option, due to our lack of experience and bad luck in general. We just couldn't see spending what the boat cost us each year in insurance. If she sinks, we'd just buy another one for what we would have burned in insurance. Unless we have a disaster every year, we'd keep from wasting alot of cash.
Our cars are on a Progressive policy and I saw they have a boat option. Does anyone have experience with this company for boats? Would I be better off with a boat only insurance company or doesn't it matter?