On Fri, 3 Mar 2006 12:23:44 -0500, "RCE" wrote:

That, plus the fact that oil/fuel spills are not covered by these
types of rider policies became the influence to change to a full bore marine
policy.

There are other good reasons as well. My experience many years ago
with a modest claim on a homeowners type policy was that the adjustors
knew almost nothing about boats and marine equipment.