Idea!!! JM Insurance company woud be thankfull for the advance notice, that their policy holder has put their liabilty for that coverage, in a very high probability of them paying out claims for the long term. Honestly I think their is a potential, for problems, and that company just looking at the posts today would SH--. knowing the risks involved insuring that guys boat and trailor. They would never have done it if they had one clue of the possible ramifacations of writing that policy. His arrogance in promoting his intentions that he knows is not going to go over well is being cocky,His intentions IF TRUE, and If I am his agent I would redo his policy, or not cover it at all. I lost my coverage for my boat for 2 claims, in 9 years, that were for a total of $2,300, this due to the claims coming within 1.5 years of eachother, and I was considered a high risk for claim filing. Given the proper information, Joe Schmo agent could due himself a favor, by not insuring it due to the reasons we all stated above. In a small community an issue like that could be a HUGE DEAL. I know who I would be getting my coverage from ,The guy who is river and fish friendly. Just my 2 cents worth....