Ok, that's what they're going to do: Insure the boat for the book value (which is more than what we will be paying), incl. the power-train, and the trailer separately. Here's the odd thing, tho: According to our agent, they're insuring the trailer "separately," for $1k,
at no extra charge! Um... well... if you
insist 
Has to be the friendliest insurance company on the planet.
Not long after we first insured our sailboat with this company, I read on a sailing forum about how boat insurance through the average home or car insurance company was often inadequate. Apparently, usually many of these policies don't have "toxic spill" coverage. Many boaters aren't aware of it, but if you sink in a U.S. waterway, and release toxic substances (e.g.: gasoline, diesel fuel, oil) into the water,
you can be on the hook for cleanup costs--even if the sinking is through no fault of your own. Our policy has $300k "toxic spill" coverage.
I told our agent that, from what I'd been reading, our insurance company appeared to offer very good,
marine-specific coverage, for a home/car insurance company. She told me that was because, years ago, they set up a separate division/subsidiary/whatever to handle
just boat insurance at affordable prices.
Jim
Insurance?
