Scott, We had the same problem when we eliminated our home in the PNW, couldn't get simple liability from anyone without a base policy. We had stuff in storage as well as some at our son's home and solved the problem with a tenant's policy using his address as a rental home. The cost is minimal and covers our stuff in both locations as well as some personal things on the boat. We boosted our liability on that policy up to the umbrella policy requirements and all is well. You might want to start with insurance covering the trip into Mexico and add down to Panama when its time. We did this and saved a bunch of money by reducing the limits of navigation to present requirements. I think you will find it much easier that way and if they didn't want to add more limits of navigation area, you could then choose to go "naked" if you wish. We worked with Jill Landback at Anchor Marine Underwriters in Seattle, 800-726-2728. She is great to work with. Tell her we said "HI". Bob Lowe MV Dreamer, Mexico >>>Scott wrote: I just got off the phone with Overseas Insurance, one of the companies recommended by Nordhavn. I am currently with Zurich (purchased through Overseas). When I advised Overseas I planned a departure this summer for a 2 year Caribbean cruise they said Zurich would not carry the policy, and that I should submit an itinerary and a boating experience resume for my wife and I. They would then submit it to Loyds of London and see if they would write a policy. I'm certain my wife and I don't have enough boating experience to satisfy them. I am prepared to leave without insurance and simply "self insure". My question is this: How many of you cruising couples have succeeded in acquiring insurance? Was this an instant process or did you have to "earn your stripes"? Assuming you do NOT have insurance, have you been refused moorage at any marinas in the U.S., Central America, Mexico, or the Lesser Antilles? Would it be possible to get a "Liability Rider" on my personal insurance that might substitute for Yacht Insurance. I'm not concerned about insuring the boat against loss, but am concerned about liability. One of the problems with a "Rider" is you have to have something for the policy to "ride" on. Having sold the house, cars and other belongings, I'm not sure what I'd use as a base policy? Any thoughts on this are welcome and appreciated! Thanks, Scott<<<