Ill second the vote for Progressive. Ive got complete replacement for 06 Cougar set at 46,000, high liability, accessories 7000, tackle, etc set at 10,000. Premium is $386per year. I live in Indiana. My agent told me that when I move to Alabama…the premium may go up some due to being able to use the boat all year long. So rates may vary depending on your location. Thats pretty normal for almost any type of insurance.