Your going to be paying big bucks. You are boating in an area where theft is king and everything else that goes with it. I don't think you want tp pay $1200.00 a year? God almighty!
Find out the value of the boat and insure it for that amount plus your accessaries that you have inside it plus trailer. Shop around! Take a safe boating course or you even join the United States Power Squadron and depending how many courses you have passed, they have their own insurance and you can save some money that way. Go to www.usps.org
to find out more if interested.
I have a 2001 Maxum 3000SCR with a trailer. I pay around $450.00 a year with a $500.00 deductible. That is also on a $50,000.00 value. Erie Insurance.
You will get a better deal if you wrap your boating insurance with your home and auto.
Hope this helps and good luck.......