Well, here's what I've found for a $140k policy:
BoatUS - Still $5000 (liability only $500). 2% deductible. Separate fuel
spill coverage (which is apparently a biggie around here). Cruising area US east coast
and Gulf as far as Mobile. (No Bahamas) Possible extensions after first year on a case-by-case basis.
Progressive - The $1000 quote disappeared under further scrutiny. The $3000 quote can be reduced almost to $2000 with a large enough deductible ($5000). Liability only $3-400. Fuel
spill coverage comes out of general liability, which may not be enough (the others are offering $850k). Cruising area 125 miles offshore
US, which gives you nearby Bahamas
Pantaenius - $2400 (Liability only $400) 2% deductible. Separate fuel spill coverage. Cruising area includes all of the Bahamas
, a big chunk of the Maritimes, and the GOM. I like this one.
All companies have conditions/increased deductibles for named storms.
I can't speak to the fine print, nor do I have any information on claims experience. My original concern was cost and cost disparity, and I have a much better handle on that now. Thanks again to all who contributed to this thread, and I hope others have also gotten some useful information.
PS - Another