Did I screw up? Due-on-sale clause for an inherited boat??

[Scott R.]

Ahh, this sucks. My dad passed and I probated his will in Ga (sole heir). I'm in Fla now and he has a condo/boat. I switched his boat insurance into my name. Now I find out probate here sucks- they compel you to get a lawyer and it takes forever. Meanwhile, my fear is the mortgage on the boat ($50K!!!) could be called in b/c the insurance will most likely notify the mortgage co. of the ins. switch. Am I screwed here or am I protected like w/ real estate property under the Garn-St. Germain Act? Bonus points if anyone has any idea how to admit a foreign will under ancillary probate w/o an attorney. I have all the doc's, I think, but the beaurocrat in probate won't tell me if I have all the right ones. The sarasota gov't I swear has the most heartless, unhelpful people on God's green earth.