I have BOATUS for my boat insurance, and have had them for many years.
I just received my 2015 renewal policy.
Just for kicks I went online to Progressive Insurance website, for a quote.
I plugged in all my policy coverage liabilities, replacement cost, etc, line for line..... Bottom line saved a little over $50. Hey $50 bucks is $50 bucks !
I guess your boat insurance is only as good as your next claim, and how your company will treat and stand behind your policy. Reputation and customer service is paramount with me !
Hopefully, you'll never have to file one.