I use State Farm myself. I have a "multi-multi" discount for autos,
homeowner's, business, and boat which make the overall package very
attractive. My boat's insurance is 145/mo for 125k + liability, lost
equipment, and weather / windstorm. (It does include 2 million flood
which crosses over to home.) and there is an "up to" 500k medical per
incident as well. My boat is valued at 195k. Perhaps you can save a
little by buying more.

Two Axioms for you:
1. Flares are like blessings, you can never have enough.
2. Better to be over insured then under insured.

Do all the math before making a decision. BTW, Boat US will drop you
like a hot rivet if you ever make a claim.

Regards,

Capt. Frank

http://www.home.earthlink.net/~aartworks

jps wrote:
My boat policy is about to renew and I thought I'd do a little shopping
based on posts I've read about Boat US being a reasonable alternative.

Everything looked pretty much the same (including cost of coverage)
until I got to "uninsured boater" line. My present policy assumes
$50,000 and the Boat US is $300,000. I assume that if my vessel is a
total loss with someone else at fault, the max. payout with my present
policy is $50K (and the boat is worth significantly more).

I'm mystified why my broker would write the policy this way and
disappointed that I didn't see this previously.

Anyone have any insight? Is my broker shortsighted or what?

jps