One of the greatest pleasures that a man can have is owning his own boat. It goes back to the days of adventure on the high seas when a man was absolute monarch of his realm as a captain of his ship.

Today there are very few places that the average man can be master and commander of his own destiny. But owning a boat is not without risk or expense. At one time cannons and carronades protected the owner and captain from loss today it is boat insurance that protects a man from loss.

It might seem like a small thing but boat insurance is essential to protecting an asset that you might have worked your entire life to own.

The greatest joy in boating is that you are responsible for your own fate. That means responsible and in some sense autonomous from the rest of the world. What boat owner hasn't dreamed of sailing to the Sea of Cortez?

All alone with just the deep blue quiet all around you and the vault of stars above to light your way; what could be better? Listening to the plaintive whale song off the coast of Hawaii while your family sits in happy companionship, that is the way to spend your leisure.

But you need to have the assets to enjoy that leisure. Also even in the most peaceful of times boating entails some risk, that is why boating insurance is an absolute necessity.

Owning a boat is the goal of many retirees. Owning and operating a boat correctly requires the skill, desire, and time to care for her correctly. It also requires the wherewithal, assets and boat insurance to protect what you have. Your retirement is far too precious to risk.

It makes no sense to gain your heart's desire and then to lose it in a storm or to bad navigation. Even if you survive without harm losing your boat can be devastating so protect what you have. And if you have the right vessel and the desire why not have a nice shiny brass carronade to salute the sunsets?