Marty, the insurance companies that I have heard the best things about are Erie, Charter Lakes, and ACE. I have ACE and had a claim three years (2012)ago when some lowlife cut the mounting brackets on my HDS 10 and stole it. ACE was great to deal with - paid quickly and no hassle, but that wasn't a collision claim. My rate did not jump appreciably in 2013 ($820), but went to $880 in 2014 and was $876 this year. I'm restricted to the Chesapeake Bay, and need a rider if I use the boat between Dec 1 and April 1. Apparently it is not unusual for insurance companies to have a default clause in policies (over 26' I believe) for a seasonal layup period in this area of the country. I had to read my policy to find that stipulation.
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