Join Date: Mar 2006
Location: New England
Thanked 18 Times in 14 Posts
Rep Power: 16
I agree with frank and jedwards about $100,000 and $300,000 being a bit low, especially if your boat is in a marina. For instance, if your boat breaks free and hits two other boats, you could easily be looking at $500,000 damage to the two other boats, the docks and your own boat. Also, if your boat catches fire, and ignites the docks or other boats... same thing. The price difference isn't all the great, and the peace of mind is worth it.
Generally, the liability portion of the policy has very little to do with what is being covered, as it is different and separate from the hull value. The liability portion is mostly risk-based, and has more to do with where your boat is stored, and what your experience is, than it does with what kind of boat you have.
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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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