[LIforrelaxin]

1st regardless of how much time you spend on the water you should always have insurance. especially in today's lawsuit happy society. Now with you limited use the first thing I would check is to see if you can add it to your homeowners insurance policy. Most home owners insurance will allow you to add a boat up to a certain size and hp. If they can't add your boat I would ask them about a policy for the boat itself. It is always easier to keep all your insurances under one roof.

If you get into boat specific policies, that is where your going to find things like sea tow, and other boat specific riders come into play. And the best advice I can give is to shop around.