To my limited knowledge now a days many vendors want to see you below 12 40N or above 40N during hurricane season. Sandy and others have expanded the zone. The underwriters aren’t boaters. They’ve taken a beating in recent years so fewer are writing policies. They can and are avoiding any policies where they feel they can’t adequately assess risk or it would take too much effort to do so. Given the field is less competitive and higher risk it’s has gotten much harder to get a decent policy.
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