bbyquist, I've been with several different insurance companies over the years, state farm being one. They're all crooks as far as I'm concered. After I bought my second boat I started shopping again because they wanted way too much for coverage. I finally landed on Pemco. They are a Washington based company and only cover WA residents. They have the best rates, best coverage, and I have never had ANY issues with ANY claims. If this ends badly I would seriously look into them.

They hold my home, cars, boat, trailers, and life policies. Absolutly love them. At least have them work up a quote for you. I think you'll be suprised.
I'm pretty sure you get a discount right off the bat because you don't live in King County (Seattle).lol