If you're keeping the boat in a marina, you will likely need at least $300,000 of liability insurance, at a minimum. Whether you want/need other coverage is up to you, but most marinas require that as a minimum. If you have a well-found boat without a leaky cabintop, and it is well-ventilated, then mold isn't much of an issue. Storing clothes in the "vacuum" space saver bags can help a lot with preventing mold as can stowing them in plastic storage bins with packets of dessicant.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.