Join Date: Feb 2010
Location: Narragansett Bay
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The only valid grounds to compare the insurance carriers themselves, is on their service, financial stability and reputation for paying claims. Carrier can and do offer different coverage levels, particulary between different states. Insurance is regulated by the states and drives many of these differences. If I told you that I use Traveler's because they will pay half the cost to haul the boat for a hurricane, your policy may not have that feature.
If you are new to boat insurance, I think the best approach is to find a local independent insurance agent that represents several insurance carriers. They can shop for you and, most importantly, explain the differences between the policies. Least expensive is absolutely not necessarily the best policy.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.