I own an older Ranger 26, and I am completely new to sailing. I want to take some friends out, and I want to insure them against any injuries that may occur. I would not want something that should be fun turning out to be something less than that, thus I am not concerned about the boat so much as the well-being of people who come aboard. I tried to get a quote from GEICO on-line, but for some reason they want me to call, and I don't want to enter into discussions with a sales type. Where do I start to get a "ball park" figure? Then what?