Diane,
We purchased several properties in CR using an lawyer in SJ, Armando Guardia, a Tico educated at Washington U in NY. We did not buy insurance because he had background knowledge of the property. Any beach property, I would buy insurance because there is a 10 year window for someone to step up and file a claim on the land. Ck with your CR Lawyer. This is probably why he suggested the insurance.
Enjoy CR.
Brian
5,000+ unique articles, valuable E-Books, dozens of useful reports, 300+ online videos, biographies of trusted, reference-checked bilingual Realtors