Hi. I'm new here, but not new to boating. I've liked and admired Checkmates for quite a while. Anyway, I recently picked up a '91, 20ft. Checkmate "Senator" model. It has a 454 Mercruiser with a Bravo 1 outdrive and Stainless Marine through-hull exhaust. Can anyone tell me if this is stock. I'm sure the exhaust manifolds were added later, but as far as the engine and outdrive I'm not certain. My insurance agent says it's not stock and overpowered, thus increased my rate. I can live with that, but now I'm curious. Thanks.