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Mrs. Morris,
I don't know what size boat you have or where you live. Where you operate your boat may affect your insurance rate, also. Just for a reference point. I live in southeastern NC. I insure my boat with the same company that insures my home and autos. (I get a discount for insuring all with them). I have a 2004 170CC with 60hp 4 stroke and trailer.It's insured for $17,000 with a $500 dedutible and liability coverage. It cost me $90 per year with safe boating course or Captains license. I would call your agent first and see what he can do for you. Good Luck.
John D.
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