I think that the comments on Imiscorp.net taking care of someone AFTER the event is why I am very pro-them. I've had a house demolished by a hurricane, and an aircraft crashed by a friend -- and have learned via both experiences to (a) read any policy you get with a fine toothed comb prior to the grace period to cancel without penalty, (b) ensure you are going to get replacement vs. cost of depreciated items (if that is what you want), and (c) all the little gotchas that will make your policy worthless or not what you had hoped. FOr instance, when your boat takes an electric
shock and blows out all the radios, do you get new radios, or just a check for their depreciated value.........My favorable impression with IMIS was that we had all these discussions and disclosures, and the answer are what I want to pay for. I found $$ amounts for LOTS less, but a closer look revealed a lot of holes in this coverage. So -- don't just shop for bottom line -- know what it is you want, and make sure that what you buy, covers that.