In addition to summary process (eviction) cases, the courts’ jurisdiction includes small claims cases, consumer protection cases, and civil actions involving the health, safety, or welfare of the occupants or owners of residential housing, including cases with personal injury, property damage, breach of contract, and discrimination claims."

For me, it added an extra level of security/ protection above the regular homeowners policy (injury, property damage etc). 

The risks of injury for someone with no boating experience is far too high IMHO.

Lawsuit from tenants for personal injury!

My long-term goal: live what's left of my life without major injury, illness, or financial or emotional catastrophe.

Lot of work for not a lot of grapes, too.The Air BnB/glamming is a good idea and you can still maintain Ag status by doing some other stuff on the property. 8ac almost seems silly small to be irreversibly zoned as AG, I’d look seriously into getting rezoned.

That type of coverage provides for medical bills in the event of an injury without regard of fault. 

I lost my main employee for a few weeks due to a car/bike injuries

A basic plan will not be enough to protect you against tenant injury and damages.

An injury/lawsuit that involves a child typically produces the more high-dollar claims