Insurance - my usual rant:

Paying the premium does not usually equal getting the coverage that you
think you have. So at least get the complete policy statement and look
through it. Keep all your pictures, surveys, any other receipts or
statements bearing on the quality and condition of your boat and
belongings, and how they were maintained and looked after.

Things that bear on your coverage: Lifting the boat; in transit; on the
hard; type of location and property it's on; duration out of water;
presence of people around the boat, fences, security of property; your
own personal property; boat electronics; other removeable boat gear
(sails, dingy, cushions, tools); what's stored on the boat (flamable
chemicals); who put the boat on the hard, how; who does work on the
boat; season (hurricanes); normal wear & tear (airborne sludge from
nearby construction); various exclusions, acts of gawd, etc.

Finally, (somehow I supect I'm preaching to the choir here, Skip... g)
you're the captain and have all the responsibility. Don't take
_anybody's_ unquestioned or unvarified word on _anything_ that worries
you. Eg. placement of supports, nearness of neighboring boats (to fall
on you), locked (?) storage lockers, etc. Also, is the boat near any
heavy traffic (main gate, travel-lifts, parking, incoming flat beds,
etc) which would increase the risk of fender-benders.

Rufus