I am looking for insurance as well. Boat US quoted me a couple months ago at $780/yr for $7500 in coverage.
Progressive was $900/yr when I quoted two years ago. It has probably gone up.
Essentially, insurance is good for a TOTAL loss/theft and/or liability & peace of mind. Good luck if you have a $2000.00 mistake. They wrote the fine print and loop holes in their favor.
skisafe seem to be pretty good price for the coverage -- just wondering though if say for instance boat goes down, flips over or fills with water is that considered a total loss? I would think obviously it would be on the motor, I would think -- guess something to think about or ask. I guess just seeing all the pics of boats going down or getting caught on sand bars then rolling over lately has just got me wondering and thinking on it. Even seen some pics of some recently burned while out on water, that would be one I would really hate cause have to abandon boat for sure then -- seatow always showing some crazy stuff that happens and just makes one wonder