This is what I use…
http://www.basspro.com/servlet/catal...=SearchResults
Item #38-560-634-01 Size 20'6"-21'5" LENGTH 102" BEAM
It fits snug around the gunwales and over the bow rail. There is a motor cover sewen into the stern section that fits well over my fat Honda 130.
So if you don’t have a bow rail, then you may be able to get away with a smaller cover. But I wouldn’t go with the 96” beam, that would definitely be too narrow.
Go Reds!