RECOMMENDED FOR FULL-TEXT PUBLICATION
                              Pursuant to Sixth Circuit Rule 206
                                       File Name: 09a0345p.06

                 UNITED STATES COURT OF APPEALS
                                   FOR THE SIXTH CIRCUIT
                                     _________________


                                                X
                         Plaintiff-Appellant, -
 NEW HAMPSHIRE INSURANCE CO.,
                                                 -
                                                 -
                                                 -
                                                      No. 08-3902
         v.
                                                 ,
                                                  >
                                                 -
                                                 -
 HOME SAVINGS AND LOAN CO. OF

                      Defendants-Appellees. -
 YOUNGSTOWN, OHIO, et al.,
                                                 -
                                                N
                  Appeal from the United States District Court
                for the Northern District of Ohio at Youngstown.
                 No. 05-02179—James S. Gwin, District Judge.
                                     Argued: March 13, 2009
                           Decided and Filed: September 24, 2009
                                                                                                   *
   Before: BATCHELDER, Chief Judge; CLAY, Circuit Judge; COX, District Judge.

                                       _________________

                                            COUNSEL
ARGUED: Edward R. Goldman, RENDIGS, FRY, KIELY & DENNIS, L.L.P.,
Cincinnati, Ohio, for Appellant. Robert S. Fulton, NEWMAN, OLSON & KERR,
Canfield, Ohio, Rosemary Taft Milby, WELTMAN, WEINBERG & REIS CO., L.P.A.,
Cleveland, Ohio, for Appellees. ON BRIEF: Edward R. Goldman, Donald C. Adams,
Jr., RENDIGS, FRY, KIELY & DENNIS, L.L.P., Cincinnati, Ohio, for Appellant.
Robert S. Fulton, NEWMAN, OLSON & KERR, Canfield, Ohio, Rosemary Taft Milby,
WELTMAN, WEINBERG & REIS CO., L.P.A., Cleveland, Ohio, Michael D. Rossi,
GUARNIERI & SECREST, P.L.L., Warren, Ohio, for Appellees.




         *
           The Honorable Sean F. Cox, United States District Judge for the Eastern District of Michigan,
sitting by designation.


                                                   1
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.           Page 2


                                 _________________

                                      OPINION
                                 _________________

       CLAY, Circuit Judge. Plaintiff, New Hampshire Insurance Company (“New
Hampshire” or “NHIC”), appeals from the district court’s order and judgment granting
Defendants’ motion to dismiss pursuant to its discretion to decline to exercise
jurisdiction over claims brought under the Declaratory Judgment Act of 1934, 28 U.S.C.
§ 2001. Applying the Brillhart/Wilton abstention framework, the district court dismissed
New Hampshire’s complaint in favor of parallel proceedings pending in Ohio state court.
On appeal, New Hampshire challenges the district court’s application of the
Brillhart/Wilton doctrine, contending that several factors support federal jurisdiction.

       For the reasons set forth herein, we REVERSE the district court’s assumption
that it has jurisdiction and VACATE its analysis of the abstention issue, but AFFIRM
its judgment dismissing NHIC’s claims, although on different grounds.

                                           I.

       In November 2003, National Marine, Inc. (“National Marine”), a yacht dealer
and marina operator, purchased a “Yacht Dealer/Marina Operators” general liability
insurance policy from NHIC. The policy covered both “Yacht Dealer Operations” and
“Marina Operations,” as those terms are defined in the contract. ROA at 67. Generally
speaking, the policy insured National Marine against loss or damage to its inventory,
loss or damage to third-party property while in its custody, personal injury or property
damage occurring on its boats or at its marina, and loss or damage to its tools and
equipment. The policy also includes $300,000 in “Truth in Lending Errors and
Omissions Liability Coverage,” to insure against any damage due to “the unintentional
violation of any Federal or State Consumer Credit Act, or similar statute, law or
ordinance.” ROA at 61.

       In November 2004, several of National Marine’s customers and two banks sued
National Marine in the Court of Common Pleas in Trumbull County, Ohio, see Suhar
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.             Page 3


v. Lukowski, No. 04-CV-2779, alleging that National Marine made fraudulent
misrepresentations and failed to deliver certain boats with clean title, as promised.
These former customers and banks sought recovery for breach of contract, fraud, and
violation of the Ohio Consumer Sales Practices Act. National Marine filed a claim with
NHIC under the “Truth in Lending” provision of the policy, requesting legal defense and
indemnification from the charges.

       NHIC provided coverage under reservation of rights, but also sued in federal
court naming all the parties that had been named in the state court action, including
Home Savings & Loan Company of Youngstown, Ohio (“Home Savings”), Sky Bank
Financial Group (“Sky Bank”), National Marine Inc. and its predecessor National
Marine & Auto (collectively “National Marine”), Andrew Suhar, receiver for National
Marine, and additional individual defendants. Because one of these defendants was a
New York resident and NHIC is a corporation with its principal place of business in New
York, NHIC could not establish federal jurisdiction based on diversity. See 28 U.S.C.
§ 1332. NHIC instead asserted that jurisdiction existed under 28 U.S.C. § 1333(1),
federal maritime jurisdiction. NHIC’s complaint asked the district court to rescind the
policy (on misrepresentation grounds) or declare that it did not cover these charges.

       In light of the pending state court proceedings, Sky Bank moved to dismiss this
action in October 2005. Home Savings subsequently joined that motion. Defendants’
motion primarily argued that the federal district court should abstain from exercising its
discretionary jurisdiction under the Declaratory Judgment Act because prior state court
proceedings would resolve the same factual and legal disputes between the same parties.

       Due to a November 2005 bankruptcy filing by one of the defendants, the district
court stayed the federal proceedings without resolving the Defendants’ motion to
dismiss. After the case was reopened in March 2008, NHIC filed its opposition to the
motion to dismiss. Home Savings filed a reply brief in support of the motion.

       In May 2008, before the district court resolved Defendants’ motion, NHIC filed
an amended complaint seeking additional relief, including an order that the insurance
policy at issue was void ab initio due to material misrepresentations in the policy
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.            Page 4


application by National Marine. In addition to this rescission claim, NHIC also sought
restitution, costs, and attorney fees.

        On June 16, 2008, the district court dismissed the case without prejudice, framing
NHIC’s complaint as a request for declaratory judgment and concluding that, under the
Declaratory Judgment Act, 28 U.S.C. § 2201(a), it had discretion to accept or deny
jurisdiction. Because the Declaratory Judgment Act does not provide for its own federal
subject matter jurisdiction, the court stated that it would assume subject matter
jurisdiction pursuant to 28 U.S.C. § 1333(1) because the insurance policy at issue was
a “marine insurance policy.” The court then proceeded to hold that Brillhart v. Excess
Insurance Co. of America, 

(1942), and Wilton v. Seven Falls Co., 

(1995), provided the appropriate framework for resolving Defendants’ motion and
that the factors set forth in those decisions supported abstention. The district court
rejected NHIC’s contention that its claims for additional relief rendered the
Brillhart/Wilson framework inapposite, declining to apply the “exceptional
circumstances” test set forth in Colorado River Water Conservation District v. United
States, 

(1976).

        This timely appeal followed.

                                           II.

        The district court assumed that NHIC had established federal subject matter
jurisdiction pursuant to 28 U.S.C. § 1333(1) because the insurance policy at issue was
a “marine insurance policy,” and the parties have not contested this assumption on
appeal. But “federal courts have a duty to consider their subject matter jurisdiction in
regard to every case and may raise the issue sua sponte.” Answers in Genesis of Ky., Inc.
v. Creation Ministries Intern., Ltd., 

, 465 (6th Cir. 2009). As an initial
matter, then, we must fulfil our duty to determine whether NHIC’s claims fall within the
scope of our federal maritime jurisdiction.
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.              Page 5


                                            A.

        Whether this dispute falls within the scope of our jurisdiction under 28 U.S.C.
§ 1333(1) depends upon whether the underlying claims arise under a “maritime
contract,” which in turn “depends upon the nature and character of the contract, and the
true criterion is whether [the contract] has reference to maritime service or maritime
transactions.” Norfolk S. Ry. Co. v. Kirby, 

, 24 (2004) (quotation marks,
citations, and editorial marks omitted).

        The “Yacht Dealers/Marina Operators” policy that NHIC issued to National
Marine covers both “Yacht Dealer Operations” and “Marina Operations,” as those terms
are defined in the policy. ROA at 67. With respect to the operation of the marina, the
policy covers repairs, moorings of slips, hauling and launching of craft, and other marina
services. ROA at 63. The policy also covers certain operations and services with
respect to “pleasure craft covered by this policy which are being operated . . . within a
500 mile radius of the insured’s premises.” ROA at 67. The policy does not cover any
particular vessel or any particular commercial transaction. In fact, the policy appears to
exclude any “owned water craft” from coverage. ROA at 40. With respect to the yacht
dealer operations, the policy provides insurance coverage for “stock for sale,” which
includes “vessel[s] being held for sale by [the insured] or in [the insured’s] care, custody
or control, but only while such vessel[s are] afloat.” ROA at 58, 65. The policy also
includes, with respect to both operations, $300,000 in “Truth in Lending Errors and
Omissions Liability Coverage,” to insure against any damage due to “the unintentional
violation of any Federal or State Consumer Credit Act, or similar statute, law or
ordinance.” ROA at 61.

        Simply because this insurance policy relates to boats and a marina does not
necessarily imply that it is a “maritime contract.” As the Supreme Court explained in
Kirby, “[t]o ascertain whether a contract is a maritime one, we cannot look to whether
a ship or other vessel was involved in the dispute, as we would in a putative maritime
tort 

. Rather, we must “focus[] our inquiry on whether the
principal objective of a contract is maritime commerce.” 

(emphasis added);
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.              Page 6


accord Sisson v. Ruby, 

, 367 (1990) (“The fundamental interest giving rise
to maritime jurisdiction is ‘the protection of maritime commerce.’” (quoting Foremost
Ins. Co. v. Richardson, 

, 674 (1982))). After the Court’s decision in Kirby,
there can be no doubt that our inquiry into whether a contractual dispute falls within our
maritime jurisdiction must focus on whether the contract’s “primary objective” has an
“essentially maritime nature” and relates to “maritime 

(finding that the contracts at issue were “maritime contracts” because “their primary
objective is to accomplish the transportation of goods by sea from Australia to the
eastern coast of the United States” (emphasis added)). In conducting this inquiry, Kirby
also requires us to consider the contract as a whole. See 

        Although defining the central concern of our inquiry, the Supreme Court’s
decision in Kirby offers very little guidance as to how we are to determine what in fact
is the “primary objective” of a mixed contract. The Court’s disapproval in Kirby of
cases such as Hartford Fire Insurance Co. v. Orient Overseas Containers Lines (UK)
Ltd., 

(2d Cir. 2000), raises serious questions as to whether the “incidental”
test applied by our sister circuits still provides a valid approach, or whether the Court
was rejecting only the application and geographical focus of that test. See 

(disapproving of the “incidental” test applied in Hartford Fire on the
grounds that “it seems to us imprecise to describe the land carriage required by an
intermodal transportation contract as ‘incidental’” and “to the extent that these lower
court decisions fashion a rule for identifying maritime contracts that depends solely on
geography, they are inconsistent with the conceptual approach our precedent requires.”).
The Court’s decision in Kirby also does little to clarify how we are to treat contracts that
are incidental to maritime commerce. See Planned Premium Servs., Inc. v. Int’l Ins.
Agents, Inc., 

, 165-66 (5th Cir. 1991) (“The focus becomes even more fuzzy
when the scope is brought to bear on that genre of conventions known as preliminary
contracts, i.e., contracts ‘that involve preliminary services leading to maritime
contracts.’” (citation omitted)).
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.               Page 7


                                             B.

        Confronting the same difficulty we face here, the Second Circuit has suggested
that the jurisdictional analysis should include a “threshold inquiry” that asks whether the
particular dispute between the parties—rather than the underlying contract as a
whole—implicates maritime concerns. See Folksamerica Reinsurance Co. v. Clean
Water of N.Y., Inc., 

, 312 (2d Cir. 2005) (holding that “prior to inquiring
into the subject matter of the contract, we first make a ‘threshold inquiry’ into the subject
matter of the dispute” (citing Atl. Mut. Ins. Co. v. Balfour MacLaine Int’l (In re Balfour
MacLaine Int’l), 

, 74-75 (2d Cir. 1996))). If we were to accept and apply this
test, we likely would conclude that this dispute falls outside the scope of our maritime
jurisdiction inasmuch as the claims asserted by NHIC under the “Truth in Lending”
provision of the policy do not implicate maritime commerce. However, we do not adopt
the Second Circuit’s approach. While we do not necessarily disagree with the Second
Circuit’s reasoning—in fact, we find it rather persuasive—we have serious reservations
as to whether the focus of this “threshold inquiry” can be squared with controlling
Supreme Court precedent.

        Most importantly, the Supreme Court has never endorsed an inquiry into the
subject matter of the dispute, despite its long history of dealing with precisely the types
of claims at issue here, a point the Second Circuit acknowledged in Folksamerica, 

(noting “some uncertainty as to the extent to which [the] ‘threshold
inquiry’ test survives the Supreme Court’s most recent admiralty decision, Norfolk
Southern Railway Co. v. James N. Kirby Pty Ltd.” (citations omitted)). Instead, the
Supreme Court consistently has held that “the nature and subject-matter of the contract
at issue should be the crucial consideration in assessing admiralty jurisdiction.” Exxon
Corp. v. Cent. Gulf Lines, Inc., 500 US. 603, 611 (1991); New Eng. Marine Mut. Ins. Co.
v. Dunham, 

, 26 (1871) (“[T]he true criterion [to determining whether federal
maritime jurisdiction exists over a contractual dispute] is the nature and subject-matter
of the contract, as whether it was a maritime contract, having reference to maritime
service or maritime transactions.”). Although the Supreme Court has acknowledged that
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.             Page 8


its decisions “do not draw clean lines between maritime and non-maritime contracts,”

, its “abiding instruction,” as even the Second Circuit has
recognized, 

, is that the “answer” to whether maritime
jurisdiction exists “depends upon . . . the nature and character of the contract, and the
true criterion is whether it has reference to maritime service or maritime transactions.”

(quotation marks and citations omitted).

       By inquiring into the nature of the particular dispute, the Second Circuit’s test
improperly narrows the scope of our maritime jurisdiction by effectively raising the bar
for plaintiffs seeking to bring a contractual claim in federal court under 28 U.S.C.
§ 1333(1). Under the Second Circuit’s test, a case does not fall within the scope of our
maritime jurisdiction where “the subject matter of the dispute is so attenuated from the
business of maritime commerce that it does not implicate the concerns underlying
admiralty and maritime jurisdiction.” Atl. Mut. Ins. Co. v. Balfour Maclaine Int’l Ltd.,

, 200 (2d Cir. 1992). Although this limitation appears reasonable to us, it
ignores clear Supreme Court authority to the contrary. In Kossick v. United Fruit Co.,

(1961), for instance, the Court held that a shipowner’s promise to assume
responsibility for any improper treatment that his crew might receive at a New York
hospital was a maritime contract, reasoning that this “fringe benefit” was “sufficiently
related to peculiarly maritime concerns as not to put it, without more, beyond the pale
of admiralty law.” 

In reaching that conclusion, the Court rejected the
“narrow” reading of the contract espoused by the court of appeals in that case. 

As the Court explained in Kirby, Kossick stands for the proposition that a dispute
involving a “fringe benefit” of a maritime contract nevertheless falls within the purview
of federal admiralty jurisdiction so long as that promise, although itself attenuated from
the business of maritime commerce, “was in furtherance of a peculiarly maritime
concern.” 

-25 (internal quotations, alterations, and citations
omitted).

       We also have concerns regarding the Second Circuit’s formulation of this inquiry
as a “threshold” matter, especially given that the approach mandated by the Supreme
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.             Page 9


Court already seems to address some of the concerns raised by the Second Circuit.
According to the Supreme Court, even where a contract’s primary objective is maritime
commerce, not “every term in every maritime contract can only be controlled by some
federally defined admiralty rule.” Wilburn Boat Co. v. Fireman’s Fund Ins. Co., 

, 313 (1955). Rather, interpreting a particular provision of a maritime contract
“may so implicate local interests as to beckon interpretation by state law.” 

(citing 

). As the Supreme Court has put it, even
where the dispute between the parties arises out of a “maritime contract,” a reviewing
court “must clear a second hurdle” and determine whether “this case” is “inherently
local” before applying federal law. 

inquiry into the “inherently local”
nature of the “case” addresses some of the same concerns underlying the threshold
inquiry adopted by the Second Circuit, it operates slightly differently. Because this
“second hurdle” arises only after the reviewing court is satisfied that the contract is a
maritime contract, the “inherently local” nature of the case functions more like a basis
for abstention than a prerequisite for jurisdiction.

       Although we find the reasoning offered by the Second Circuit in support of its
threshold inquiry to be reasonable and persuasive, we disagree that an inquiry concerned
primarily (and initially) with the nature of the dispute can be squared with the approach
mandated by the Supreme Court. We take the Supreme Court at its word that our inquiry
should be focused on the nature and character of the contract as a whole, and thus we
cannot accept the test developed by the Second Circuit.

                                            C.

       The appeal of the Second Circuit’s approach in a case such as this is that
conducting a threshold inquiry into the subject matter of the dispute avoids the difficult
questions involved in determining whether the “primary objective” of a multifaceted
contract covering an array of concerns relates to maritime commerce. Because we
cannot rely on the Second Circuit’s approach, we must find some other way of
unraveling this question. Despite our best efforts, however, we have not been able to
divine an overarching principle or scheme that brings together all of the disparate
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.            Page 10


maritime contract cases under a single, unified banner. Although the Supreme Court
repeatedly has acknowledged this difficulty, see 

(“Our cases do
not draw clean lines between maritime and non-maritime contracts.”); 

(“The boundaries of admiralty jurisdiction over contracts — as opposed to torts
or crimes — being conceptual rather than spatial, have always been difficult to draw.”);
Sisson v. 

n.4 (Scalia, J., concurring) (“As Professor Black has put
it, in the field of maritime contracts ‘the attempt to project some “principle” is best left
alone. There is about as much “principle” as there is in a list of irregular verbs. . . .’”
(citation omitted)); see also Planned Premium 

(“The waters
become murky when we seek the precise parameters of a maritime contract.”), thus far
it has offered very little in the way of guidance. Instead, the Court has endorsed a
“conceptual” approach, encouraging courts to consider the contract as a whole and
instructing that we should look for guidance in analogous precedent. See 

(“Precedent and usage are helpful insofar as they exclude or include certain
common types of contract.”). This is the approach the Supreme Court has prescribed,
so it is the approach we must apply.

                                            III.

        In determining whether the insurance policy before it in Folksamerica was a
maritime contract, the Second Circuit reasoned that the scope of the coverage
“determines whether a policy is ‘marine insurance,’ and coverage is a function of the
terms of the insurance contract and the nature of the business 

.
Other courts that have applied this functional approach have clarified that the focus of
such an inquiry must be the “interests insured, and not simply the risks insured against.”
Royal Ins. Co. v. Pier 39 Ltd. P’ship, 

, 1036 (9th Cir. 1984) (“For an
insurance policy to be within admiralty jurisdiction, the interests insured, and not simply
the risks insured against, must be maritime. For example, a beach front home might be
insured against damage from ‘perils of the sea,’ but insurance of this sort on real
property almost certainly is outside admiralty jurisdiction.” (emphasis added)). Looking
at the “interests insured” by the policy sub judice, we conclude that the weight of
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.          Page 11


authority indicates that this insurance policy is not a maritime contract because its
“primary objective” does not relate to “maritime commerce.” Consequently, we must
dismiss this action for lack of subject matter jurisdiction over NHIC’s claims. This
result pretermits the other issues in this appeal.

Yacht Dealer Operations: Boats as Objects of Commerce not Agents of Commerce

       Setting aside for now the marina operations aspects of the policy, it is evident
that the primary interests insured by the yacht-dealer provisions of the policy do not
relate to maritime commerce. By its very terms, the yacht-dealer provisions relate to
boats as objects of commerce— i.e., “stock for sale”—not as agents of maritime
commerce. ROA at 58. Although not dispositive of how we construe the overall
contract, this conceptual distinction implies that this portion of the policy is not a
maritime contract. See 

(explaining that “‘[t]he only question
is whether the transaction relates to ships and vessels, masters and mariners, as the
agents of commerce’” (quoting 1 E. Benedict, Admiralty 131 (6th ed. 1940)) (emphasis
added)); see also CTI-Container Leasing Corp. v. Oceanic Operations Corp., 

, 379 (2d Cir. 1982) (explaining that “[t]raditional texts have defined a ‘maritime’
contract as one that, for example, ‘relat[es] to a ship in its use as such’” (citations
omitted) (emphasis added)).

       In addition to being supported by precedent, this conceptual distinction makes
sense in this case, given that no one would dispute that these provisions, especially the
“Truth in Lending Errors and Omissions Liability Coverage” which insures the
policyholder against any damage due to “the unintentional violation of any Federal or
State Consumer Credit Act, or similar statute, law or ordinance,” bear in any significant
way on maritime commerce.

 Marina Operations: Contracts Related to Particular Vessels vs. Fixed Structures

       Construing those provisions of the policy that relate to the operation of the
marina presents a more difficult question. At first blush, the case law seems to support
the notion that the terms of the marina operation provisions of this policy bear directly
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.            Page 12


on maritime commerce. For example, in Sisson v. Ruby, the Supreme Court considered
the maritime nature of a marina for purposes of maritime jurisdiction in a tort case, and
offered the following assessment:

       Docking a vessel at a marina on a navigable waterway is a common, if
       not indispensable, maritime activity. At such a marina, vessels are stored
       for an extended period, docked to obtain fuel or supplies, and moved into
       and out of navigation. Indeed, most maritime voyages begin and end
       with the docking of the craft at a marina. We therefore conclude that,
       just as navigation, storing and maintaining a vessel at a marina on a
       navigable waterway is substantially related to traditional maritime
       

. On closer inspection, however, we conclude that the case law actually
suggests that insurance covering marina operations are not necessarily maritime
contracts.

       In discussing the importance of marina operations in Sisson, the Court was
concerned with determining whether there was “a substantial relationship between the
activity giving rise to the incident and traditional maritime activity.” 

That
inquiry, however, is relevant only in the maritime tort context; jurisdiction predicated
on a maritime contract requires no such inquiry. The distinction between maritime tort
and contract law is significant, especially in this context where the Court has emphasized
that “the storage and maintenance of a vessel at a marina on navigable waters is
substantially related to ‘traditional maritime activity’ given the broad perspective
demanded by the second aspect of the [maritime tort] test.” 

(emphasis added).
Unlike the test applied in the context of maritime contracts, maritime tort jurisdiction is
broad enough to support “any other activities traditionally undertaken by vessels,
commercial or noncommercial.” 

As Kirby makes clear, this
“broad perspective” is not applicable in the context of maritime contracts where the
requisite inquiry is more “focus[ed],” and where we must determine whether the contract
implicates a commercial 

(“The conceptual approach vindicates
that interest by focusing the Court’s inquiry on whether the principal objective of a
contract is maritime commerce.”).
No. 08-3902        New Hampshire Ins. Co. v. Home Savings and Loan Co.           Page 13


       The contract at issue in Sisson also is distinguishable on the grounds that it
related to a specific boat, not the marina itself. The policy at issue here relates
specifically to the marina, and expressly excludes “owned water craft” from coverage.
ROA at 40. For these same reasons, the Court’s decision in Foremost Ins. Co. v.
Richardson, 

(1982), likewise offers little guidance to resolving the
question before us sub judice.

       Next we consider Wilburn Boat, in which an insurance provider had insured the
claimant’s houseboat against loss from fire and other perils. While moored on the lake,
the boat was destroyed by fire. The insurer refused to cover the claim and the claimant
filed suit in state 

. The insurer removed the case to federal court,
and the federal court decided that the insurance policy at issue was a maritime contract
sufficient to establish maritime jurisdiction. 

n.4. The Supreme Court accepted
without comment the conclusion that insurance of a boat against fire while moored on
a lake was a maritime contract, apparently presuming that the insurance policy
constituted a maritime contract for purposes of the jurisdictional inquiry. 

Once again, though, the contract related to a specific vessel, not a fixed structure at
which the boat happened to be docked. Moreover, although the craft at issue in the case
was a “small houseboat,” the Court noted that the craft had been purchased by
“merchants” primarily to “use for commercial carriage of passengers.” 

We
find these two elements of the policy at issue in Wilburn Boat to be conceptually
significant. See also 

(finding that two bills of lading were
maritime contracts “because their primary objective is to accomplish the transportation
of goods by sea from Australia to the eastern coast of the United States”).

       Finally, we feel compelled to discuss M/G Transport Services, Inc. v. Water
Quality Insurance Syndicate, 

(6th Cir. 2000). In that case, this Court
approved in a very conclusory fashion the district court’s exercise of jurisdiction under
§ 1333(1), relying on Stanley T. Scott & Co., Inc. v. Makah Development Corp., 

, 526 (9th Cir. 1974), for the proposition that “a marine insurance policy is a
‘maritime contract’ for purpose of admiralty 

.
No. 08-3902         New Hampshire Ins. Co. v. Home Savings and Loan Co.             Page 14


Although this statement could be read to support the notion that all insurance policies
touching on maritime concerns are maritime contracts, we do not read our decision in
M/G Transport so broadly. Although we offered very little analysis as to why the
insurance contract at issue there fell within the scope of our maritime contract
jurisdiction, there are some contextual clues. For instance, we noted that the insured was
a “subcontractor” hired to “transport[] coal via inland waterway to the Tennessee Valley
Authority pursuant to a contract between R. & F. [the general contractor] and the United
States.” 

We also noted that the contract involved “specialized marine
pollution liability insurance,” 

and thus presumably covered the operation of
specific vessels operated by the company and related directly to the commercial
activities specified in the coal transportation contract. In light of the particular facts of
the case and applying the conceptual approach prescribed by the Supreme Court, we read
our decision in M/G Transport to comport with the emphasis that Kirby places on
whether the contract’s “purpose is to effectuate maritime 

.



        A survey of relevant case law supports the conceptual themes we have identified
in these cases, especially the distinction between contracts related to the operation of a
particular vessel involved in a commercial transaction and those related to fixed
structures. For instance, the Ninth Circuit’s decision in Royal 

, suggests
that contracts associated with fixed structures rather than a specific vessel generally are
not maritime 

(“Wharfage contracts are maritime if wharfage
is provided to a specific vessel. . . . If there is no connection to a specific vessel,
however, contracts relating to wharves generally are not within admiralty jurisdiction.”).
Even the Supreme Court has attached significance to this distinction, noting that a “ship
or vessel, used for navigation and commerce, though lying at a wharf, and temporarily
made fast thereto, as well as her furniture and cargo, are maritime subjects,” whereas a
“fixed structure” that is “not used for the purpose of navigation” generally is not. Cope
No. 08-3902            New Hampshire Ins. Co. v. Home Savings and Loan Co.                        Page 15


v. Vallette Dry Dock Co., 

, 627-28 (1887) (holding that a libel against a dry-
dock1 does not fall within the admiralty jurisdiction of the federal courts).

         The D.C. Circuit also offered an insightful discussion of this conceptual
distinction in Upper Steamboat Co. v. Blake, 

(D.C. Cir. 1893):

              That wharves, piers, docks, or landing places, are essential as
              means of conducting maritime trade and commerce, must of
              course be conceded. But does it follow that all contracts relating
              to such wharves and docks are maritime contracts? It has been
              said that the admiralty jurisdiction, in cases of contract, depends
              primarily upon the nature of the contract, and is limited to
              contracts, claims and services purely maritime, and touching
              rights and duties appertaining to commerce and navigation. It is
              clear, says the Supreme Court, in the case last referred to, that a
              contract for the use of a wharf by the master or owner of a ship
              or vessel is a maritime contract, and, as such, that it is cognizable
              in the admiralty; that such a contract, being one made exclusively
              for the benefit of the ship or vessel, a maritime lien in the case
              supposed arises in favor of the proprietor of the wharf against the
              vessel for payment of reasonable and customary charges in that
              behalf for the use of the wharf, and that the same may be
              enforced by a proceeding in rem against the vessel, or by suit in
              personam against the owner. . . . But is there not an essential
              difference between a claim or demand for wharfage, as
              understood in the laws and usages of navigation, and a claim for
              rent as such of a wharf, under a contract that, assuming it to be
              valid as between the parties, creates the relation of landlord and
              tenant? Under such contract, the rent is payable, though a vessel
              should never approach the wharf, or though the wharf may be
              used for purposes quite foreign to the maritime trade. It could
              hardly be contended that a contract for building or repairing a
              wharf is embraced in the class of contracts denominated
              maritime, any more than it could (and not with as much
              propriety) be contended that a contract to build a ship is a
              maritime contract; and it has been expressly held by the Supreme
              Court of the United States that a contract for building a ship is
              not of a maritime character, and therefore not within the
              admiralty jurisdiction. . . . Nor can we suppose that a contract
              for the sale of a wharf could be regarded as a maritime contract;
              and if not, why should a lease of a wharf that may be for a long

         1
           The Court explained that a “dry-dock” is a “fixed structure” that is “contrived for the purpose
of taking ships out of the water, in order to repair them, and for no other purpose.” 

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No. 08-3902            New Hampshire Ins. Co. v. Home Savings and Loan Co.                       Page 16


             term, with annual rent reserved, and, as may be, with conditions
             and stipulations for repairs or rebuilding the same from time to
             time, be regarded as a maritime contract, and as such cognizable
             only in a court of admiralty? We are clearly of opinion that the
             lease of a wharf, supposing it valid, is not a maritime contract, in
             any proper sense, but is a contract relating to realty, and must be
             performed on the land.
    

(citations omitted).

         Although these cases deal with wharves and dry-docks rather than the operation
of a marina, we find them informative to the extent that they suggest a conceptual
distinction between a contract relating to a particular vessel involved in a commercial
operation as opposed to the overarching operation of a fixed structure that happens to
involve boats. Simply because a contract involves a marina does not mean it necessarily
is a maritime contract. We must look at the nature of the contract and, in the case of an
insurance policy, consider the specific interests insured. Applying that distinction in this
case, we conclude that this insurance policy covering a yacht dealership and a marina
falls outside the scope of our maritime jurisdiction, despite the fact that some of the
services provided by the marina may relate incidentally to or facilitate maritime
commerce. Like other courts that have addressed similar issues, we also are reluctant
“to open the courthouse doors to a surge of litigation concerning transactions that may
only tangentially involve a maritime business or a ship owner merely because one is a
party in the dispute.” Illinois Constructors Corp. v. Morency & Assoc., 

, 843 (N.D. Ill. 1992).2 This concern is all the more pressing where, as here, the
contract at issue is multifaceted and covers a diverse range of interests, many of which
have little bearing on maritime commerce.




         2
           Notwithstanding this reluctance, the Northern District of Illinois nevertheless held in Illinois
Constructors Corp. that an agreement to procure marine insurance is a maritime contract because insuring
ships at sea “is integral to the maritime activities of the 

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No. 08-3902       New Hampshire Ins. Co. v. Home Savings and Loan Co.       Page 17


                                        IV.

       We therefore REVERSE the district court’s assumption that it has jurisdiction
and VACATE its analysis of the abstention issue, but AFFIRM its judgment dismissing
NHIC’s claims, although on different grounds.