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Boat Insurance , A Necessary Evil You might not have realised it, but boat insurance is the oldest kind of insurance there is. For instance, a speedboat capable of high speeds requires a much different type of insurance than a small fishing vessel would because of the potential liability for the insurance company that comes with a speedboat compared to a fishing boat. Boat insurance, which is “agreed upon” for worth, has a money amount printed in the policy, which is the sum, compensated for complete loss. You might not have realised it, but boat insurance is the oldest kind of insurance there is. For instance, a speedboat capable of high speeds requires a much different type of insurance than a small fishing vessel would because of the potential liability for the insurance company that comes with a speedboat compared to a fishing boat. Boat insurance, which is “agreed upon” for worth, has a money amount printed in the policy, which is the sum, compensated for complete loss.