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Cam seems to have covered it all.. be aware that your deductible is likely to be at least 1% of the price of the boat as well. IMIS Jackline is one of the few that will cover bluewater sailing couples. Hartge Insurance, in Annapolis, is also a good one to contact.
The C&C 38 or 40 may also pretty good choices for you. One thing, I would set aside at least $10,000 for refitting, and drop the price ceiling to match. That may eliminate a few boats, but not having a reserve set aside for refitting, repairs, or upgrades is going be just as bad.
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Sailingdog
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Telstar 28
New England
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.
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