If you dont carry insurance you are open to a lawsuit that could possibly take away your lake house and every house you own. You leave yourself open to that. You may be able to notify the insurance company when you plan to use it and save some money. Keep in mind, anything can happen in this world. A hiker may be swimming, a parachuter may be off course, a plane may crash and your trying to save people in your boat, and someone gets hurt getting in, or run over, or any number or terrible things that could happen.
For the Little amount of money it cost to insure a seasonal boat it is well worth it
Your garage insurance should be covered by home owners insurance or renters insurance. I am not sure you would need liability insurance in a garage though, because no one else would be hurt in there.
A person can find garage liability insurance through their business insurance provider. There are usually several insurance providers that specialize in small businesses.
There are many reputable insurance companies that provide garage liability insurance. Progressive, State Farm, and Geico are all good companies and can assist you.
Auto Insurance.
it is covered by your home insurance
Insurance for a garage can be obtained by any company who offers insurance for your home. Some places to start looking include Garage Netquote, Progressive, and State Farm. All can be researched online or may contact their local offices.
Garage keepers Insurance is Insurance for any comapny that works on people cars. Like, Auto Body Shops, Mobile mechanics, and so on, more info at http://garagekeepersinsurance.blogspot.com/
It would cover you under your Buildings insurance
yes
If your garage doors were damaged by a covered peril as defined by your home insurance policy then the door would be covered.
You can get insurance for a 4x4 car online and at your local garage. The price ranges but you will have to get a quote online to get an exact amount or go to your local garage.
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.