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I've been finding that a lot don't even mention that as an option and when I ask about it, they say consequential damages are not covered. This thread has been a real eye opener for me. So far the most expensive quote has been the worse coverage, one of the cheapest has been the best coverage. So price doesn't seem to equal quality either.Ski would not give me that option due to the boat being a 1999......They mind as well say they will not insure it then.