The USAA General Agency handles larger boats through Markel American Insurance Company among others. I believe the threshold is an insured value of $100,000 or more. So here you are only passing through USAA. I had this insurance for years until they became very picky where they offered windstorm boat coverage. They covered me year round in Florida until I left for a year. When I wanted to come back they wouldn't cover windstorm, named or not, so I switched companies to one who was not a USAA contractor. Doc Ft. Myers **************************************See AOL's top rated recipes (http://food.aol.com/top-rated-recipes?NCID=aoltop00030000000004)