Doug,

That US Sailng One Design insurance doesn't cover sails. I only know this because of reviewing my loss history with them. They quoted me something like $350 or $380/yr with $10,000 and $2000 trailer coverage. Statefarm, on the other hand has been there for me and hasn't raised my premium, even with my loss history. Same coverages and they know it will be raced regularly, $210 or so.