A regional insurance company may be cheaper than a national company that has exposure on the gulf and atlantic coasts. Make sure you read the fine print for what is covered and be sure to add additional personal equipment that is in the boat. You might ask for references. Also, you did not indicate whether you will do home storage or in a yard near/on the lake. Is your vehicle adequate to tow the boat? A Honda Civic could have a tough time with a Catalina 25.