This is almost amusing...

My point was that US Sailing is not running the insurance.

It's actually Gowrie, according to the website (again, why am I the only one who can find this?): http://membership.ussailing.org/Page431.aspx

I am not saying it's better or cheaper than anything else, just saying that there is a discount, and that is a benefit of membership. I'm constantly being asked what the benefits are, here's an obvious one. If you choose to use different insurance, that doesn't make it any less of a valid point that US Sailing partnered with this company to provide this as a benefit.

Mike