I guess in my case fear could be compounded by the amount of time and sweat I have into a one of a kind boat. It's not just like I could drop by the boat yard with a check the insurance Co cut me and pick up another cookie cutter boat. I'm sure it's the same extra fear factor guys have who own a one of a kind car they've spent years rebuilding with their own hands. The fear of some guy with no insurance driving a 1985 Toyota Tercel smashes into it for no apparent reason. You never get back what you had and your insurance goes up. With a custom rebuilt classic car the fun is in driving it, not so much when trailering the classic boat.
