If you insure it like a car it's way cheaper, buuuttt, you're not covered for storage or contents (at least with my insurance). I put mine on my homeowners policy which is about $750 a year, but everything is covered. Boat, trailer, gear, speakers, everything, and replacement is full purchase replacement price, not NADA for the year. You just have to decide what you want to risk, and the year of the boat and total value will also dictate a great deal of the price. (2008 Epic)
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