I shopped around about 4 years ago. Allstate, State Farm, Progressive. Ended up going with Boat US. They cover what ever you declare your boat to be worth (KBB will give you a good idea). Covers $500 of tackle with the fisherman's deal, plus some towing ( I don't remember how much). Then, I supplement with the Boat US membership and the towing option. My sister got her boat stuck on the Sandusky Bay sandbar and had to pay $3000 out of pocket with no tow insurance, so it is definitely worth it!