Ouch... what insurance do you have that you've got a $4,000 deductible on a boat that is probably worth $80,000 on the outside. Most yatch policies I know of have a 1% or 1.5% deductible, not 5%. Also, is yours a liveaboard specific policy. Some of the liveaboards I know have a policy that pays for temporary housing if they're forced off the boat due to making covered repairs.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.