[RobHoman]

Alot of what you pay for insurance has more to do with how hard you work at getting a good deal on the insurance than anything else.

For instance: If you are a Military Veteran above the rank of E-4 (I think) you can insure your boat with USAA, and have ZERO cruising area limitations, and no riders or other BS. My boat is insured with them, and I have ZERO cruising limitations. And the rates are competitive with the other companies that have riders costing $$ and exclusions.