Boat Insurance

I have been investigating the wonderful world of boat insurance. (Click on the title above and see an excellent resource from Blue Water Sailing magazine listing many.) Some of the insurances make no sense to me. Two of them will cover you in a hurricane in Cuba or off Cape Hatteras in August but not in most of the Bahamas in February. One defines "coastal" as anything offshore without touching another country. Going to Europe is fine until you enter a country there. Many have restrictions as if hurricanes never get above the Florida/Georgia border. So far, for the same coverage, most of them have been around $1600 plus or minus a little except for Boat US which is almost double. I have yet to find any which will simply insure me in the Bahamas for 6 months.