I had Costello for a few years and switched to L.L.Johns & Associates
when I upgraded to a different ship. L.L.Johns is easier to work with
and about $150 cheaper. L.L.J. assumes a winter layup in their quote
and doesn't make you pick dates for layup and back-to-flying like
Costello does. At Costello, if you change your layup date, it costs
you $75. The Costello date-picking also makes you maximize the down
time to minimize the policy cost. The folks at Costello are certainly
very nice friendly people, I just prefer the flexibility of
L.L.Johns. Both use AIG to underwrite the policy, I called and asked
last month due to the news.