Would deff say to go with the insurance...just had to use it...they where great...i was out on not such a good..3to 5 with a surprise if u know what i mean..made a call told about where we where at...took us back to the dock..gave them my boat us num....got a letter from them saying..they paid the bill and this is a copy...587.00.....sure was good to have the insurance...

Thanks again....... Boat us

russ adkins member 12062814