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