The deductible is what drives the cost of you boaters insurance... I think my deductible is $500.... and my insurance for the boat was around 200$.....
The other thing that drives the cost of you boat insurances is the type of policy... there are two types... One is to insure the boat for an agreed upon price, generally the purchase prices, or surveyed cost of the boat.. The other type just insures the boat for NADA value of the boat at the time of incident...
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Life is about how much time you can spend relaxing... I do it on an island that isn't really an island.....
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