Rhapsody's policy is with Amica. http://www.amica.com/default.html

Cost is $702 per year with $468 deductible. I received a dividend check of $129 last month, so that effectively reduced the annual costs to $573. The boat is kept in Newport, RI and by the policy, it is out of the water between 1 Nov - 1 May.

From the policy "WARRANTED THAT NAVIGATION OF THE INSURED YACHT IS RESTRICTED TO: COASTAL AND INLAND WATERS OF THE UNITED STATES BETWEEN EASTPORT, MAINE AND PENSACOLA, FLORIDA"

I'd be curious to learn why Markel Insurance deems J/Boats to be unacceptable.