Sheesh, what's with all the State Farm guys?? LOL! Taper nailed it saying Premier Marine or even a company called Cowan Dalton has great rates when you're getting into boats from about $15 000 and up. Not trying to toot my own horn but the best bet would be to call a local broker who may have more options availble than an agent like State Farm. You wouldn't have to have what they call "supporting" business ie. homeowners with them. You can also increase your boat limit to include "all attached equipment" along with "accesories" which most are aware can really add up. Anything not attached to the boat can be claimed under your homeowners but most likely would be best to try under the boat policy. There are so many variables involved to try to answer all questions on a message board and that is why I recommend calling a broker....or pm me with a phone number and I can try to help. Again, not a sales pitch, just trying to help some fellow fisherpeople!