Hi Gary. That sucks...I hate it when my best efforts find me behind the 8Ball. Give Keenan Marine a chance to give you a quote. I've been with them for 5 years now and think they have found me a very competitive policy. They recommended changing to another carrier two years ago for the best fit for my needs. My current policy is with Seaworthy Insurance. Good luck. Kent SM243 Kristy Sent from my BlackBerry® smartphone powered by Alltel