I guess us Chesapeakers get off easy. BoatUS required a self-survey and some photos when I bought the boat 4 years ago. I'm paying less than $200 a year. It went up somewhat with all the storms last year. My insurance agent says he can never beat BoatUS and thinks their service and features are very good. He refers his customers to them for boats.

I wonder if some insurance company would consider a group of Ariel/Commander owners a "group"?