When we had our 22 foot Chrysler, I called USAA about insurance. They told me that it was already covered under my current homeowners policy so we didn't have any extra out-of-pocket. Now we own a 33'er and we have liability insurance on her. Our marina requires a minimum of $100k liability. We got $300k just because there are alot of big expensive boats in our marina and I feel it is better safe than sorry. Our first year premium was $133. We just renewed for our third year and it was $197. Since all of our insurance is through USAA, we called them but they don't handle that type of insurance directly. They put us in contact with Drive Insurance. Except for them being a little lax in their billing policies (they seem to forget to send out renewal notices), we have been happy.