Your additional benefits
Some more sea.
You sail regattas - covered. Your trailer is away - covered. Your boat must be salvaged or removed - covered. You suffer consequential damage through material breakage - covered. Your nautical equipment on board - covered. Your ship is in winter dock - covered. Transport on land, slip or cranes - covered. You need an extension to your sailing area - covered.
So you get more for the same amount of money.