Carrier is Auto-Owners. Survey required. Winter layup is 11/1-4/1. Replacement Cost coverage if partial loss. Policy limit if total loss and deductible waived.
My 1985 43' Ocean Alexander on Lake Michigan. Hull value $165,000 with 1% deductible. $1mil liability. Annual premium $1,250 Auto-Owners Yacht policy. I'm the insurance agent.