Most tournaments require it, some more than others. Whats the highest you have seen required and what do you hold? Me personally, the highest I have seen is $300,000 and thats what I have my policy set at. The jump from 100,000 to 300,000 cost me $9 a year lol.

I think the BASS weekend series and BfLs require you to have 300k. Highest ive seen. There are few local tournament trails (nc based) that require 100K.

I have half a million in liability on both boats.  There's also some extra paid to fish the Great Lakes, since they aren't considered "inland waters."  It's all rolled up into one payment, house, car, two boats, and some extensions for flood damage.

Thats how I do mine too j, its all one package. My boat is DIRT cheap, the boat and trailer insured + 10g in tackle and other stuff + 300,000 in liability is about $29/month