I did some more homework on insurance.
It still seems like my homeowners company (a company related to Liberty Mutual) has the best deal and prices. Last year on my older boat, they charged me $170 for the year, where everyone else was around $450 to $1100, I was so shocked at the difference that I had to tripple check their price and coverage.
This year I'm pricing a newer boat and they came in a $300 to over $400 less expensive than the others for same coverage.
One thing I got clarified is what BoatUS calls 'Oil and other spill liability' coverage. My company says that they include a separate 500K coverage line for this. This is over and above the normal liability coverage.
So considering that BoatUS wanted a VERY HIGH deductable included with their online quote my insurance was less expensive, and for $10 includes $1,000 of towing coverage (per incident, their standard coverage is $500 per incident included for no extra cost) vs the BoatUS $34 option.
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