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It's often about the "little" things such as electronics, equipment, trailer, location of the boat (on water, on the road, in storage, theft, storm damage, liability (that's a biggy), towing, salvage and probably other things. I don't know anything about State Farm, it may be the greatest ever, but 60K sounds good until you call your adjuster and say, someone stole all my rods, or I hit a rock and took out my lower unit, or a tree fell on the boat in my back yard and the insurance guys says, "So what? Did the boat sink?" That's why I'd at least check out a company which deals in boat insurance and try to compare the depth of the coverage.

I have heard through my position on the board of directors of the National Association of Charterboat Operators that with the amount of claims coming in due to hurricane damage in the past decade or so, many boat owners have found their policies inadequate and many are reporting big jumps in premiums as well as additional exclusions.

You must always remember most of the largest skyscrapers in the world are owned by insurance companies and they can't afford them by being nice to their policy holders -