Join Date: Feb 2010
Location: Narragansett Bay
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No offense, but often it is the skipper they won't insure, not the boat. Do you have offshore, overnight experience? The Bahamas can mostly be done in daylight.
My advice in these situations is to find an insurance agent that has a reasonable marine practice. They are easy to find in marine towns and thus typically have relationships with several insurance carriers and know where to go. You will do even better, if your house and car are insured there too, as they can often leverage the business for discounts and get coverage when the companies are otherwise on the fence.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.