I went through a local independant agent who sold me an "AutoOwners" policy for $287/yr with full replacement coverage and ZERO deductable on the boat, motor, trailer and electronics,....Rods, reels and tackle are covered under homeowners w/$100 deductable. I've been with him for 3-4 years and had 1 claim,...it was handled immediately and covered everything!! I don't have any other policies with him or anything......I called several companies locally for quotes, and he was the best by far. I'd make sure you call those local independant agents who can get cheaper rates,...they deal with several different companies at once...they can beat most everybody!! Also,..DON'T tell them that you fish tournaments UNLESS they ask.....Alot of companies still view tournaments as "Races" and they hike up the rates substantially!! Also don't brag about how your boat does 70MPH and it handles great in 3 footers!! BAMM...you just got jacked again!! Tell them your top speed is 40MPH IF they ask,,...and it's just a family fishing boat that you want full coverage on!!,.....What they don't know,..won't cost you!! LOL My first Nitro I had to get a policy for did @65mph and I was fired up!!....When the agent was filling out the paperwork he started asking questions,...."how fast?"....I said.."65!!..Runs great!!"...He said,..."40?!!"...I said "Oh no,,...it'll do 65!"....he said,..."No!!...It does 40!!,....you can't afford the insurance on a 65MPH Racing Boat!"....I said,...."Oh,...ok!!,....Yeah...it does 40!"....LLOL....Then he said,.."I'll just make sure your covered enough to replace your boat, motor and trailer and contents........but I can't write anything affordable for a Professional Bass Boat that ends up Racing every weekend!!".....So my suggestion is to make sure your covered enough to replace it or pay off your loan if it's totalled,....but don't give any more info than they ask for,...you may say something that triggers a "risk factor" without even realizing it. It pays to keep shopping!!