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Location: Green Bay, WI | I would buy the extended coverage.
1) Say you keep the boat...more coverage means you're covered longer.
2) Say you plan to sell the boat...more coverage means you can keep the boat longer and still be able to offer the boat for sale with remaining coverage in place. In theory anyway, it makes it easier to sell. Two similar used boats for sale, one with coverage remaining and one without. Which one do you buy, all other things being pretty much equal?
Either way, it seems to me as though the extra coverage is advantageous. Now if Mercury will let you buy the extended coverage at any time you have coverage in place, then maybe wait a year or two before buying more coverage. But if they won't allow you buy more coverage down the road, then I guess you have to pony up more $$$ now.
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