Under $400 per year
Only your agent knows for sure.
My umbrella (USAA, $!MM) is just under $400 per year. They don't show pricing for individual items, but all are listed on the declarations page Three boats (One boat at 300hp, one at over 300, one smaller outboard, but that info is not shown) Multiple locations listed, home, camp, condo boat slip. No inexperienced operators on cars or boats.
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