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You may also be able to get the boat added to your liability coverage on your auto policy, if you have one. Or you may be able to take out a simple "umbrella liability" coverage.
If you have any coverage with any insurer--ask. I also wouldn't spend any money on "comprehensive" coverage of the boat, spend it on a towing policy instead. But liability for any damage you might do, to other craft, is a bigger issue. Also note that if your boat sinks in the wrong places, you'll be required to remove the wreck--and that can easily run five figures. Something you'd want the liability coverage for.