Re: NE Insurance Rates - Reasonable?
Age of the hull, condition, loss experience, Skipper's sailing resume, etc, etc, all affect premium. That said, we are insured through Traveler's and just got my bill for $2,800 to cover a $500k hull, liability and hurricane haul out coverage in RI.
I recall that Boat US was not at all competitive when I got a quote several years ago. That can vary state to state.
It seems that you live in CA, but vacation in RI? I wonder if the insurance companies are concerned about an unattended boat. Most losses happen right at the dock.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.