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I have mine through State Farm and like the replacement policy. They will replace up to the insured value, no depreciation. I'm in Virginia, and use mostly on inland waterways in VA and NC year round, cost about 440 per year for 2005 SV-211TE. Just a suggestion on how to save 10%, take a boating safety course through the United States Power Squadron or the Coast Guard Aux, or your State boating commission. It saved me 10% each year and I took it 27 years ago. Look them up on the Web. You can always learn something new.
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