That about sums it up!!... Thanks Toxic!!...The way I look at it you just spent $10-30K for a nice boat, whats another $150-200 for insurance that'll last a lifetime, unconditionally Guaranteed??
I personally will not own another boat without Hull protection. Didn't realize what I was missing until I put one on. I can now beach my boat anytime the grankids want to go for a swim, pull right up on the ramp to offload my partner, and beach it next to ramp to park the truck...