Land of 10,000 lakes and a million boats. If you have ever been to boat launch on the weekends you know there's a wide variance of skill levels out there. Plenty of beginners and people having too much fun squeezed into tight quarters. It's doesn't take much to go wrong. You want make sure you have coverage for boat, liability, medical and uninsured for the people that decided they don't care:) This is our fun time of year so take time to have an experienced agent make sure you are covered properly.