make sure you get replacement value and set the price at what it would cost new. make sure the trailer has at least 2-3K value. add a rider for $5000 for your personal possesions in the boat in case someone steals all your stuff. Deal with the insurance company direct, and not through a 3rd party marketing agent.
call Karen at State Farm and she will do it right. 972-231-1988
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Skeeter Ronnie