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I went with Boat US today. Agreed upon value (thanks for guidance from forum), 3 upgrades in coverage, New boat replacement for first 30 months, 70K agreed upon value, 5k in personal effects, lower deductible for electronics ($50), ice & freeze coverage, 300k liability, trailer insured for 3400, much more, all for $416/year. Seems S. Jersey is not their high risk coverage areas like Fla., where they say the season is much longer, traffic, etc. Now car insurance and NJ, different story! Highest in the nation.

$126 down
$48
$48
$48
$48
$48
$37

Thanks for help & guidance.
 
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