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3K seems like a lot for sure. Is it an Insured Value policy or market value policy? is that for inside US only? I guess one has to decide if they just want ot protect themselves from liability or insure for boat replacement. I usually lean toward high deductbile for total loss only and being covered for liability. Traveling offshore I was uninsured. My little 32 ft me a little over $300 per year...but I'm not living aboard all year....
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