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It's almost as if people have a smart phone surgically attached to their phone hand the moment they are born these days. They pick their phone up the moment they wake up in the morning (if they haven't fallen asleep with the phone in their hand the previous night). They pick the phone up first thing in the morning and decide to do something on it with one hand as they go into the bathroom (with the other hand doing God knows what). Which is to say that should you drop the phone into your toilet or something, you're personally out big bucks. Unless you have cell phone insurance.

It's not even going to be the $200 you paid for your iPhone. That's what you pay you get one with a two-year contract. If something should happen to your phone, this time, you have to pay the $600 it really costs. Should you really get cell phone insurance for this?

It costs about $7 a month on average. But it depends on the current carrier you're with. And it's not much money at all, is it? What possibly stops you from buying cell phone insurance?

An interest in boating doesn't come easily to people. To begin with, you do have to live in a place where there's actual opportunity in the form of large water bodies conveniently located not far away. And then, a good boat costs a lot of money too. But even if you don't have any trouble with either one of these, you'll find that boating is quite unlike driving. You don't use your boat on well-paved roads with traffic rules and such. You basically take your boat out in the open where there are currents, high winds and dangers lurking under the surface. When you drive a car, it's mandatory for you have liability insurance – to protect other drivers from you. When you have a boat, boat insurance is mandatory to protect you from yourself. It takes a lot of skill to stay away from trouble with a boat.

There are literally dozens of kinds of add-on options that you'll have to understand all the different payout requirements to if you are to make the right kind of choice. Choose the wrong features and you'll end up with a policy that's never going to do you any good in the kind of situation you're buying insurance for.

On the surface, a boat insurance policy looks not very unlike a car insurance policy. You have liability insurance, insurance to protect you from being sued for any damage you cause to someone else's property, and there's coverage that covers your own investment, too. These form the very core of any boat insurance policy. Beyond this, you can always buy comprehensive and collision coverage as add-ons.