In case anybody is looking at this thread, one of the problems I had was finding a liveaboard policy that *also* included basic liability. This is the liability you get when you buy homeowners, and it covers you for basic liability issues that have nothing to do with your home (you can google
around for examples of this). But the real kicker
is that *without* this basic liability coverage (the type that usually comes with homeowners or renters) no insurance company I was able to find was willing to write umbrella liability. The importance of carrying umbrella liability, especially for a cruiser, are beyond the scope
of this post (but needless to say, if you have income
and assets having umbrella is crucial).
I found *one* company -- and this was after an exhaustive search -- that is writing true liveaboard yacht policies that also include general liability (and, as a bonus, include a few other things pertinent to liveaboards as well, like coverage for storage
units): a yacht policy issued by Wells Fargo and underwritten by a major insurer (can't remember which one). PM me if you're interested and want contact information.
For example, Boat US allows liveaboards on their policies (and they were pretty well priced), but no general liability.
On the other hand, if you've found anyone else that offers similar coverage, PLEASE let me know -- always interested in competing quotes :-)