I have all my insurance, house, vehicle, 2 boats thru the same company. My Lake O boat, a 23' Baha Fisherman costs me about $300.00 a year for year round coverage in/out of the water. This has one million liability, $100,000.00 personal injury each incident, $12,000.00 replacement and $4,000.00 equipment. $500.00 deductible.