Mine is cheap through State Farm, because we have everything there, homeowners, two cars and the boat. I think the boat ended up being around $400 a year or so, but I can't remember. I couldn't find any cheaper plus State Farm has always been good to me.

A big plus was that it is trailered and not moored. If moored I had to have records of each haul-out and maintenance.
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Organized people are just too lazy to look for things.