I wish I had some YouTube of some reading that $22,000 insurance deductible that some generous owner is taking on with you each day that boat is at the dock or off sailing somewhere with crew brand new to the boat and many times the waters. We are fretting over $3-5K in our control for a few days. The owners are on a number much greater than that 24/7 by 365 and no where near the boat and controls. For the record we do not flinch at $5,000 deposits. $22,000 we would not leave that kind of money anywhere but escrow with our own attorney and bank.