Thanks all
I am waiting to hear back from Robin Fuller at Rich Haynies office. She was as nice and as knowledgable as anyone I have talked to. GarryP, I'm showing a broken link on your post? Maybe a phone number? Thanks Phil, all good ideas. Carey, I am about to contact your company- that's a great rate. Ours is currently over THREE times that amount! Progressive looked very promising at Mikes suggestion, but it turned out the over 20 years old and being 42' long was a deal breaker for them.