Thanks, Whoosh! Great info. MetLife and USAA were also recommended by friends so I''ll call them today. We are just down the road from you, in Virginia Beach. We paid $26K cash for our good old boat so I don''t want to lose it all in a fire or hurricane, hence the confusion on my part about what to get. The marina we want to move to requires $300K in liability. The more I think about it the more it all sounds like good old car insurance. Thanks again!