JimH wrote:
............for boat insurance each year, including liability?

I know there are a bunch of variables, most especially where you live. The
bottom line is cost/foot/year.

For 'us':

We have always had an "agreed to" hull value policy and are presently paying
$12/foot/year for both the boat and trailer on our modest 7 year old 20 foot
runabout. We live in NE Ohio and dock in Vermilion, OH on the south shore
of Lake Erie. We also carry an umbrella policy to cover us over and beyond
the boat policy basic $500K liability limits, but that is not figured into
the cost I quoted.

I no longer have the records on what we paid for other previously owned
boats since we sold them so I cannot offer other comparisons, although I
think the cost/foot/year was pretty comparable to what we paid for our 32
footer in 2003.

So what is your cost/foot/year for property and casualty insurance on your
boat..........and where do you live/dock?

Boat US has some excellent rates on their West Coast trawler policies.
My friends in the business have all asked me at least once to quote my
boat insurance, but when they hear that I insure through Boat US they
don't even bother. $90k hull value, cruising area "restricted" to Puget
Sound, Strait of Juan de Fuca as far W as the Washington coastline, and
up the inside to the northern tip of Vancouver Island, (where 90% of
regional boaters spend 99% of their time), and the premium recently
went up from the $350-400 level to about $500. It would be easy to pay
twice as much in the local market.

Note: Read your umbrella policies carefully. We have an umbrella policy
with a limit that is large enough to cover our asse(t)s but one of the
factors the underwriter took into account was our boating pastime. Make
sure your agent and underwriter know you are a boater, or some
companies may deny coverage for a boating related claim.