Allstate is not a marine insurer. I have my boat insured with American Family which also is not a marine insurer. My feeling is this: insurance will cover any catastrophe like an oil spill or a personal injury on my boat but as far as really having my boat "insured", I am "running naked".
I am fortunate in that my boat is paid off, owes me nothing and I can afford to walk away from any loss.
pete
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