Interesting answers. I'm insured with USAA. My insurance is like that for my
cars: theft and liability. I'm considering switching to BoatUS for the oil
spill protection. I already have their tow/trailer insurance. My only claim
has been when my tow vehicle died near the launch ramp on a Sunday. They had
a tow vehicle there with 30 minutes to tow my truck and trailered boat to a
nearby parking lot. I had to wait until Monday to have the truck towed to
the dealer for repair. I used my USAA insurance for that. Both tows were
handled by insurance and required only that I sign for receiving the
service.

"Tamaroak" wrote in message
...
I'm paying about $1100/year to insure a 1997 36' Monk trawler (hull value
$195,000) for chartering in Lake Superior. The low rates probably come
from a short season, fairly boring boating up here and a slow boat.

Capt. Jeff