I've owned boats for over 40 years. All were insured, to one extent or another, mostly through BoatUS. I thought I understood the in's and out's of boat insurance having lost a boat to Hurricane Isabel in 2003. Yet when I read "5 Ways To Avoid Boat Insurance Blues," in the December 2013 BoatUS magazine, I decided to read the fine print in my policy. I learned a lot. I suggest you take a look at this article and then take a look at your own boat insurance policy.
See: http://www.boatusmagazine.com/boatusmagazine/december_2013#pg80
See: http://www.boatusmagazine.com/boatusmagazine/december_2013#pg80