T&T: Full Time Cruiser or Livaboard?

[Al Golden]

  >>Right or wrong, there are finance and insurance co. that are biased  
toward "live aboards".<<

Absolutely true!  However they are far, far from being your only options.
You are clearly talking to the wrong brokers.

  >>I am not a lawyer and do not know how having  
or not having a 12 month contract with a marina changes the fact that  
I am a full time cruiser.<<

A full time cruiser, quite obviously, is someone who does not have a slip
contract for any extended period, and is underway to someplace new, say 1/3
of the time. 

  >>I too am still wondering what the definition of liveabord is for  
these co's.<<

A liveaboard is someone who has a permanent mooring address, and a job or
other obligation that keeps him tied to one spot most of the time. The
companies generally think of a liveaboard as someone who is living aboard
instead of in an apartment or house, with no other substantive changes in
lifestyle.

Al Golden
International Marine Insurance Services
1-800-541-4647