"I need to call to discuss some details, but attached are the quotes and a note from the agent. Two things jump out at me - first the policy excludes coverage for earthquakes, and second it excludes coverage for floods. On a positive (or unexpected) note, it does include coverage for aircraft chartered by a crew and non-owned watercraft up to 25 feet - thus no princesses cruise line rentals. Perhaps we should test our policies and plan events that may be subject to those coverage areas - or we could reserve that task for our advisory board. "