I looked back at my old quotes from Boat US. I really intended to insure the boat since I was instructed to do so by my wife, but I never followed through. In 2001 and 2003 the "Cruising Area" I selected was: "U.S. & Canada Coastal and Inland Waters" This option was not available in 2004. The best match was: "U.S. Inland Lakes and Rivers" Less areas covered, at a higher price. steve Steve R. M-15 #119 Lexington, KY --- "William B. Riker" <wriker@mindspring.com> wrote: One gripe: on the app I told them I keep the boat in the Great Lakes, but sail for a week on the Chesapeake. The declarations came back reading that ". . . the insured yacht shall be confined to the waters indicated below:" and defined the Great Lakes.