[C38] What about insurance

[Charles Finn]

Just got the newest issue of Practical Sailor (with a discussion about 
insurance costs).  Also in today's mail was my Insurance declaration 
page for this year's boat insurance.
Frankly, insurance for the Mighty Quinn has been a pain over the few 
years I have had the boat. I started with Boat US, who required a survey 
(fortunately, I had just gotten one during the purchase dance).  They 
dropped me two years later (I have never submitted a claim on any boat I 
have owned) saying they don't insure boats over 20 years of age....
I then shopped and shopped and shopped.... coming up with $1000+ 
premiums for the few who would even agree to insure an older boat!  I 
finally found Progressive Direct, who agreed to insure if I had yet 
another survey.
I have been with them for three years and the premium has stayed about 
the same.  Can't say how they will handle a claim, but here is what my 
policy looks like:

1981 Catalina 38
Liability to others that includes fuel spill liability: ($300,000 is 
combined single limit for
         each accident).
Uninsured Boater $300,000
Medical payments:  $1000 each person
Comprehensive:  Agreed value of $42,000 with $750 deductible
Collision:  Agreed value of $42,000 with $750 deductible
Includes wreckage removal.
This policy is for a coastal limitation of 50 miles in territorial 
waters for the U.S. and Canada.
12 month policy cost:  $440

How does this stack up?  Is there a company out there that understands 
our boats? 
Charles Finn
Mighty Quinn #114
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