Call Allstate.   I pay about $150/year.   $250 deductable and the only reason 
I know that off the top of my head is I had a $1,500 claim a few years back.  
 They covered it and have never raised my premium since the incident.   Oh 
and the incident was while racing....

I think I have the boat valued at $11,000 and don't know what the other 
coverage is.

Chris D


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