FYI - Not all boat insurance policies let you go wherever you want. And I am not talking about the standard "Don't go below such and such latitude during hurricane season." NOooo, much more. I am talking about restrictions and requirement beyond that on passages, locations, required number of crew, sailing resume, etc.....We have learned that our current boat insurance won't cover our future cruising plans. We are working with our agent to find new insurance that will. Oh joy! Of course there is a tons of paperwork, questionnaires, emails, phone calls, written storm plans, etc..... we feel like cats jumping through hoops in some sort of freaky circus show.