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T37...the problem is all the crappily maintained boats that get sold and drag the average price down. Some insurers are better than others and will insure for more than book but will require a new survey to establish value. Boat US is a good insurance provider as far as reliability goes but they are very inflexible.
Have a chat w/ Bob Bell or Al Golden over at IMIScorp.net if you want a second opinion. They have taken good care of us and I have no personal connection other than being a very satisfied customer after IVAN!!
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