C-jack, not sure Cubb has marine coverage, but they might. I was simply reacting to your statement that none of them pay and they're all crooks.
Let's face it, insurance is a game of statistics. Generally, the same stats apply to every insurance company. So, how do you expect the cheapest premium to make money? They either have to reduced the things they cover, or reduce payment on claims.
When you find a lower premium, there is nothing for nothing.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.