I received a quote of approx $3000 a year for $180,000 coverage (we mentioned we would be living aboard) (also includes up to 10% for dinghy
and motor) for a Morgan 45. This was on the assumption we were full time cruisers that were outside the "hurricane box" during hurricane season. Im not sure exactly what the "box" includes/excludes and that is onlt my first quote. It seemed a little high but further competitive quotes are needed.