We have had our boat insured with BoatUS now for 5 years. We found the the rates to be far lower than with our homeowners insurance. We have never had a problem with BoatUS. YOu can get quotes on line at
www.boatus.com
AAA also offers boat insurance now.
Whoever you use be sure to include the boat trailer.
You are on the right track. Stay educated and learn safe boating!
pmj