FWIW She told me $150 something a year for 250,000 Liability 250 deductible @ $ 4300. That's the same I was paying for the Sea Ray Cabin cruiser that was valued at $ 15,000. So now my question is if fishing boat insurance is more expensive than pleasure boat insurance. I'm not bellyaching about the $ 150 per year but cover the equipment for what it sells for not some computer program. Pretty sure I'll be telling them to go fly a kite if they can't come up with anything better than that and I will have all my vehicle insurance under one roof , Just as their slogan suggests.