Before you take your boat out on the water, make sure you have the right amount of boat insurance. This includes not only damage to the boat, but also boat insurance for motor and other internal parts. Damage can occur to these parts as well and can be very expensive to repair.
If you take your boat out often, you increase your chances of getting debris caught in the motor, burning out the motor, and other types of damage. Having boat insurance for motor will help off set the costs that may incur if you need to have parts replaced or you need a whole new motor.