I left BOATUS after they tried to get me to pay for hurricane Sandy. Saw a bunch of posts on other sites with others like me with no claims leaving in droves. Sounds like they've rethought their position of pillaging their low risk, no claims customers.
I had no claims in 10 years and was told my rates would increase $130 this year. Sorry, I boat in inland lakes with the boat stored on a Shorestation or at home during the summer. Winter is heated indoor storage. I'm not paying for someone else's hurricane claim. Ended up with Progressive but will look into Ski Safe next year.