Well, was waiting for the hurricanes to catch up to our insurance and my first surprise for the new year! We were paying about 120 bucks less last year. I'm no insurance expert but when I recall hearing some of the other numbers, it does not sound totally out of line but then my insured value is only 33 grand which kind of makes mine sound high- I'm stored on a trailer- what can I do to reduce the cost and not set myself up? It shows I can basically boat anywhere and my boating area is relatively small, does that make a difference? They said they considered the Bahamas as coastal which I did not quite get. Anyway, I'm sure there is an insurance expert out there somewhere and will appreciate any feed back.