does that $340 just include liability/injury or also theft and damage? I've been without it for awhile now but feel like I'm playing Russian Roulette. The injury/accident possibility has always weighed heavily on my mind and while the boat isn't worth all that much we do have a lot of fairly expensive wakeboarding equipment. Plus the boat isn't stored at my place (impossible where I live), its at a storage yard. At least I have the cheapest boat in the place.