I am looking at buying a 1980's Hunter 36' and have received quotes from Markel American Insurance and Offshore Risk Management. Does anyone have specific knowledge of either of these two companies? Have they been reasonable to work with or nit-picky? Have they been good to you or would you not ever recommend them? I intend to sail in Florida and the Bahamas during the winter and will leave the boat on the hard for 8 months of the year. What types of coverages should I look for and what exclusions should I be aware of. I am new to big boat insurance so any information would be helpful.