I use BOATUS, and have been since 1997. It's around $300 a year for a new H16.
I can't speak to their service level personally, as all I've ever needed them for is to take my money (actually, that's a good problem to have).
At the time I started using them, my insurance agent recommended using them (and he didn't represent them). I was also told by other sailors that they were the only company that would insure you for racing. I think US SAILING got into it since then.
Mike
I have BOATUS too but mine is about half that for all USA coastal and inland waters. My parents had a boat damaged by Hurricane Isabel several years ago and everything sounded like it went smoothly even though they were very busy given all the damage done by the storm.
