The search is over. this past weekend we purchased our Yamaha FX Cruiser HO. We are now looking for the "extras" that come with ownership. We are looking at different insurance companies and was wondering what company others use. Have you had problems with claims and is there one company that is better than another? I have been looking online and have checked out United Marine Underwriters and they are clear with Better Business. Any information you can give would be great.