A year to prepare for insurance

[Tomodore]

Since you are paying in cash with no debt, how much is the hull coverage relative to the value of the boat. When we owned a house and cars it was cheap to add the boat. Now that we don’t have house or cars and sail international it was not worth the money to us for anything but liability insurance. No idea where you land on the spectrum but worth considering. 7 years with only liability and saved more than boat is valued.