Jack,
J.A. Bash is also who I insure through. I don't know if the rates are different or not, and if the coverage is the same or not. The policy I have with them will only be issued as long as I am a NMRA member in good standing. I believe the base policy gives $16,600 of insurance for $110. Additional coverage is also very reasonable. Michigan Small Scale Live Steamers is a NMRA group. To belong to the group you MUST be a MNRA member. This is because we are covered at all club events with a $1,000,000 liability policy. The bonus is the Bash insurance. My homeowners policy does not offer the type of extensive coverage that I get from Bash at any price. I can get collection insurance with the homeowners, but that will not allow traveling with the locomotives to attend events. That would be additional coverage that they do not offer.
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Here is a link to FAQ for NMRA coverage through Bash:
click here
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Here is a link to the NMRA programs page:
click here