I have found one agent so far that is convinced she can write a liability policy for $500 or less. She is a Progressive agent but says the liability will be with another company. She is with Florida Highway and Marine Insurance in Sebastian Fla 888-354-4929. Several agents have collected all my numbers and asked for a couple of days to crunch everything and get it out to their underwriters. I am in a waiting mode for these estimates to come back before going further. Thank God my survey is less than 2 years old..........close though. It was done November 4, 2004. Also, it has become obvious in the case of Progressive, that independent agents do have much more latitude in what they can and can't write. It seems it even varies among independent agents. What a maze of a confusing business to try to navigate through. Dan Lanier Gulfstar 43 Danali Star Lying Vero Beach Florida