Reading through some of the previous post and saw one on insurance. A little different spin but I just realized that I have no idea, and won't be able to call my insurance company till Monday, about whether I need to insure the boat and trailer like I do my camper trailer. I know that the trailer gets a DMV tag but sepreate insurance? Any ideas?

Thanks

If you finance the boat through a bank they will require boat insurance.  If you paid cash, no boat insurance is required in Virginia.  It is a cheep and wise protection.  A boat traveling 30+MPH can easily kill someone.  A deputy in Spotsylvania fell out of the boat when they crossed a huge wake with the police boat on Lake Anna.  The second deputy fell, hit his head but stayed in the boat.  He later died at the hospital.

My old 15' 6" 1980 Skeeter with a 70 HP insurance cost $80 a year for liability.  My 2009 Stratos 294XLE with a 200 HP costs $350 for full coverage.  I have all my insurance with Allstate. 

Both my bank and my HOA require insurance.  I live in a community with a private lake and they will not let you put your boat on the water without proof of insurance.

Thanks Tpayneful, that really does make sense. I was thinking mainly of transporting on the road but your points are well taken.

Your automobile insurance should cover what you tow.  Check your poilcy.  You are welcome.

I was talking to my insurance company today and the car insurance does cover the boat and trailer. Thanks.