Perhaps snow is not the correct metaphor, but boat insurance policies change from year to year. Where did they learn to do that? In the summer time in Florida all sorts of things can happen. Break downs, water spouts, thunder storms and even hurricanes. But things like operating outside of your home state, outside of lakes and rivers, out side the demarcation line offshore or a set number of miles are often a ‘relief’ clause in a boat policy.
When operating out 100 miles offshore in the 1980’s and 90’s, my policy covered me easily. However a couple of years into the program, I read the change sheet attached to my new annual policy and it only covered me out 50 miles. In later years it was less than 30 miles. So If I sank while grouper fishing 32 miles from shore and the rescue helicopter noted the distance, I would not be covered; rescued (maybe), but not covered. Usually they will sell you added coverage; for a price of course. Also be sure to have your SPOT or EPURB in your pocket.
It gets worse. If you happen to be a guide and want to book diving or scalloping trips, you had best read your policy with a very bright light and magnifying glass. You may need special coverage. For once a paying charter person jumps into the water coverage changes. You can show them lassie the dolphin, but they can’t get out and ride him. It’s the same with swimming with the manatees (of course you could get arrested swimming with the manatees).
Taking a trip to Georgia to bass fish lake Lanier? If a big high horse powered go fast boat cuts your boat in half, your boat may not be covered outside your home state. That would of course make it a tough day on the water. It’s best to read that policy closely each year. What if a train hits my boat on a bridge at midnight, in the rain?