Mseuro

I have Seaworthy Ins. through Geico and they seem to be pretty good but was thinking of asking if anyone has had issue with them. This came up because we hit a stump up river last weekend (They told me not to go up river but do I listen, ah, no) and I thought I lost a drive but hopefully it's just a spun prop. I see all the negative comments about Ins. Companies in general so what do you have to say.