Boat insurance

[new boater]

I will be getting a new boat next week. In checking around for insurance quotes I have received a number of various prices ranging from $338 to $605.

The highest one being from State Farm where my cars and home are insured.

Has anyone had experiences they can share with claim payments from insurance companies? Are the internet companies reliable? Why is there such a large variable? The coverage requested was the same in each case.