Is there any option to not pay the insurance and just have a higher deductible? This is what we always did in Moorings - never paid the daily insurance rate, just had a deductible that (if I recall correctly) was 1% of hull value. As owners, with all the times we went, it ended up being a decent savings since we never had to pay any deductible as we brought the boats back in the same or better condition then when we left.
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