I'd point out that the maximum environmental remediation fine for an oil spill, as might happen if your boat capsizes, is knocked down or sinks, is $800,000, and if you get the Windsor-Mount Joy policy, you could be on the hook for as much as HALF A MILLION DOLLARS.
If you reduce the geographic area of coverage, your policy price should go down. I'd also recommend you check with Chubb and Ace Recreational Marine. If you don't have a good insurance agent, you might want to try Christine Hartge, who is very good, out of eastport. Hartge Insurance Associates - We Specialize In Your Unique Insurance Needs
is the website.
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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.