One of the things I didn't really take into consideration when we bought the boat was the extra insurance. Of course, reality hit pretty fast, and we got it insured right away, but whenever you buy something like a car you automatically know to call for insurance. I'm just glad nothing happened on the long trip from Iowa when we pulled that big thing home with us without insurance. I've thought about getting an RV to have it stationed by the river in the summers. It would be a lot more fun to live in that on the weekends, and maybe even during the week than it is to try and live in the small cabin of our 25 foot boat. But that will mean getting
rv insurance on top of the boat insurance. Even though we'd really only be driving it twice a year, to the river and home again in the fall, accidents still happen. The insurance protects it from damage when it's not in use as well, and also for liability if anyone got hurt on, near or around it. Like anything, you may never need it, but when you do, you sure are glad you have it.