On the deductible thing, be sure to ask how much more a $0 deductible policy would cost. Several years ago I had a JY 15 dinghy, it was sitting on the dolly in my back yard when a mini tornado came through (remember the El Ninio winter storms of 1998?) and flipped it, snapped the mast at the spreaders. A new mast cost $475! When I called the ins. co. they said "Sorry, you have a $500 deductible, but for only $20/yr. more you could have had $0 deductible." Now I always ask and I pay the little extra for $0 but I have never had a cliam since that one!

Come to think of it, maybe I should do it Jake's way and switch to Progressive.