[Gerry Zagorski]

I learned a valuable lesson in the past when this happened to me...If your boat is worth anything have it insured, especially if you keep it in a slip.

2 kinds of policies, Agreed to or Actual Cash Value. Actual Cash means you are insured up to the blue book and Agreed to Value means you assign a value to it. So if you've done a lot of work to your boat and think it's worth more then blue book then the Agreed to Value is the way you want to go.

You also need to be sure you have some sort a salvage service and environmental clean up provisions in the policy. This way you don't have to pay for recovery or any environment issues like gas or oil clean up which can also be costly.

If you don't have insurance I'd recommend you look into it and give our sponsor Vito a call

MM Insure (848) 863-6800 ext 1002.