After reading the article about Best Boat Insurance and just recently purchasing a new boat, insurance is one of the key thing on my "to do" list.  If you dont mind me asking what do you pay per year and what is covered under it on your insurance.  I called one place earlier and 100,000 liability and 1,000 for personal with a 250 deductable was 262.00 a year.  If I am wrong correct me but isnt that really high for a 95' Stratos 278 with a Evinrude 130????  All help would be appreciated.

I don't think it's too high, depending on where you live and where you keep the boat. I actually got a reduced rate when I told them I had a boat storage rented. (12x30 garage style with security gate and on site manager) I pay $225/yr. on a 94' champion with a 175. I have $200K liability, medical ($50K per incident) and a $500 deductible. Oh, and I also have theft of contents... electronics, rods, tackle, etc.

I currently use State Farm.  And go with a higher deductible, that alone will reduce the rates a good bit.  They don't worry about claims with every little minor thing.

Shop around...

I have 2000 Stratos 17 Vindicator with a Johnson 150 and my insurance is $280.00.  

I have a 94 Champion w/ a 175 Merc., with everthing covered, and a 200.00 deductible for 225.00 yr.  Progressive Insurance.  My agent actual set me up with progressive instead of their company's boat insurance,  the difference was $80 to $100.