Check out Seatow, they offer boat insurance. I currently have Seaworthy but will be switching at the end of the month. They offer the exact same coverage that seaworthy does , but what won me over was they also include mechanical breakdown coverage. So if you blow your motor up its covered under insurance. The quote was actually a little over $100 cheaper a year, but you have to have a seatow membership to get the insurance which is $119 a year, so it didn't cost me but $20 more a year and my motor will now be covered!!