Yep, I have Foremost as well, and am heading to Bahamas next year for probably 60-75 days. There is no rider available from them for a longer stay. My Farmers agent contacted them - they are owned by Farmers - and their advice was to leave Bahamas and come back, and that would reset the clock to allow another 30 days. That is so stupid. Plus if you are in Exumas
, it is a pretty decent haul to get into international waters, to reset the clock. And I fully suspect that if you have an accident
30 days after your checkin, you better be able to show a GPS
track leaving Bahama waters.
I am going to switch to another company for the trip, and then back to Foremost when I get back. Their rate is very good, and I have their Premiere coverage which is very comprehensive. As my other insurance is also with Farmers, I get multi policy discounts. As a result, all other insurance quotes have come in at least $500 more than Foremost, and BoatUS was double what I am paying for Foremost.