Most policies require owners to maintain their ûboats to resist damage from ordinary weather.

Most boat owners carefully evaluate the construction techniques of builders before making a purchase decision. Warranties come under close scrutiny. Negotiations of purchase price and trade-in values are time consuming, and most buyers shop for the lowest loan interest rates available.

If a bank requires insurance to protect a loan, however, most buyers purchase coverage from the same agent or company that provides other personal coverages, or from someone recommended by the dealer. Buying an insurance policy for your boat is almost an afterthought.…