What's the best boat insurance?

[Fendercaster]

I wouldn't take my boat out on the water without insurance, especially with all the crazies on Lake Sinclair. I've only been here a short while, but I know there have been fatal boating accidents on the lake in both of the last two years.
I have an old Tracker that's paid for, so I just have liability insurance. It's cheap, $50 a year for $300,000 coverage through my auto insurance company. Well worth the price!
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