Insurance
Shop - shop and compare! There's no better explanation for finding the right carrier than that statement. Of course having an insurance company owner as a business partner helps a little. I started my search with BoatUS. They handled my 32' Wellcraft for three years and provided courteous and careful service. I thought I would try not to say negative things on this site. But - BoatUS - what are you telling me? Their quote was for $2,500 and some change per year. A generic search of the Internet for yacht insurance brokers turned up dozens of companies. After calling three and having them tell me they couldn't cover an owner living in Georgia I turned to West Marine for assistance. I spoke with Jennifer and she provided great customer service. The quote was provided over the phone in just five minutes. It was for $1,500 per year and so I had her issue a policy that day. Thank you West Marine.
I'm currently carrying hull insurance for the East coast and Florida. As we venture off to the Bahamas in a year or so I will need to add a rider at that time. I'll keep you posted as rates change with coverage.