BoatUS probably would have tried to treat you
fairly. When my boat suffered what they called a
close lightening strike, they replaced all
affected electronics.

My friend's Cape Dory 22 was dismasted on a mooring during the night. BoatUS
depreciated the cost of the mast effectively paying 200 bucks for the loss! He
had to sue them to get a fair deal, which he finally did. I hear too many
horror stories about BoatUS, many from dealers. When I bought Alien the seller
told me about a "real" yacht insurance co. Not even my outboard or dinghy were
depreciated and I got MSRP on them.

RB