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I have had my boat for some time and have never had any problems or anything but when I am cruising around the inter coastal I am seeing a lot of very expensive boats out there. I am talking around a half of a million dollars for a boat. Personally I would never spend that kind of money on a boat but that is probably because I don’t have that kind of money to spend. The point is that I began to think about what would happen if the tide flipped or turned and pushed my cheap little family boat into someone’s very expensive coastal yacht. That began to worry me, as there is no way that I could afford to pay to fix one of those monsters.

So I started looking around and found that I could get insurance for my boat for almost nothing. I found a company that will do both boat and dinghy insurance. My boat is a little bigger than a dinghy but at least the rates are low. I only pay a couple of hundred dollars for the year to know that I am safe just in case something happens on the water. It would really be a nightmare to bump a boat in the water and get sued and loose my house over a couple of hundred dollar insurance policy.