Everyone needs something to do. When we retire far too many of us lose our will to keep striving. All of us, need to feel needed, we need to feel like we are doing something worthwhile. For women, this is often simply continuation of home life and domestic tranquility that made up most of their lives.

Men on other hand live their lives with a goal. We work for fifty or more years striving to bring home bacon. Having a goal in front of us is necessary for our psyche. Many men simply die after retiring because they have nothing to do.

Having a boat gives a man something to do. Keeping it in good repair, learning skills needed to keep it sailing smoothly and keeping track of finances including things like boat insurance keeps them sharp.

Also most boats are financed in beginning. The lending company will insist on insurance in those cases just as they would with a house or a car. This is not unreasonable; they have as much to lose in financial sense as you do if anything happens to boat.

Some areas are more dangerous than others for boaters. While some of those areas are famous or infamous 'the Bermuda Triangle' and Dardanelles others are less well known but can be just as dangerous.