I had a previous quote for the "major carrier" for near $324/yr. They required a survey, which would total more than $325 for an "out of water" job.
I called the prospective marina and, while they require insurance, they have no "minimums" and "just what everyone else carries" was the answer./
I then called the more 'progressive' carrier. I had a few questions on the web-site application. They had no survey requirements; but recommended the upgrade to 250/500/100K coverage. Area include ALL coastal US water s out to 75 mi. offshore..as compared to the "other" , which would only cover to the end of the Bay. THe second quote also included a $500 each occurrence tow insurance, which I believe to be unlimited.
All that for the same or less money... and NO survey! Now, I realize it's all in the fine print; but......